There is a need for better financial advice. Financial advisors are not able to give accurate financial advice if clients are not completely truthful. This paper aims to analyse the perceptions of financial advisors regarding client truthfulness when disclosing sensitive financial information. Providing sensitive information, for example income, expenses, level of debt, and medical information, could create feelings of discomfort or embarrassment for both the financial advisor and client. A total of 364 useable questionnaires were returned via an online link sent through a community network email to all members of the industry standard-setting organisation in South Africa. Financial advisors perceive their clients to be more untruthful about sensitive topics such as debt, expenses, and knowledge about their finances. Debt, medical history, and their knowledge about their finances were found to be indicators of embarrassment. The financial advisors indicated their optimism regarding clients' untruthfulness, which is that they need time to build the trust relationship and will subsequently open up. This specific result suggests that the advisors are open to building long-term relationships with clients that can last several years.

需要更好的财务建议。如果客户不完全诚实，财务顾问将无法提供准确的财务建议。本文旨在分析财务顾问在披露敏感财务信息时对客户真实性的看法。提供敏感信息，例如收入、支出、债务水平和医疗信息，可能会给财务顾问和客户带来不适或尴尬的感觉。通过社区网络电子邮件向南非行业标准制定组织的所有成员发送的在线链接，总共返回了 364 份可用问卷。财务顾问认为他们的客户对债务、费用和财务知识等敏感话题更加不真实。债务，病史，他们对财务状况的了解被认为是尴尬的表现。财务顾问对客户的不诚实表示乐观，即他们需要时间建立信任关系，随后才会开放。这一具体结果表明，顾问愿意与客户建立可以持续数年的长期关系。