Is your wealth adviser actually an adviser or just a distributor? The answer to that question is important for your long-term financial health. Don’t think it is important? Then do you think chemists should put out boards proclaiming that they are doctors? In our heads, the difference between a doctor and a chemist is very clear. A chemist sells medicines that we ask for over the counter, either on the basis of a prescription or over-the-counter drugs that are available without the need for a prescription. Who writes the prescription? The doctor. The doctor is much better qualified as compared to a chemist, and has spent years learning and then practicing the profession. When you present your medical problems to the doctor, she will ask some questions, may conduct some tests and then come up with a diagnosis that is specific to your medical condition.