Broad matches - confusion.

I have just learnt the hard way not to believe everything that i read on the net.

Google's definition of a broad match, using the search term Counselling California.

If either the word counselling or california appear, with any other text at all, its a match.

Some stuff i have read from SEO blogs was that both words had to appear.. but in any order with any other words. This would be ideal.. wouldn;t it make sense to work like this.. but no.. it doesnt..

A phrase match ie "counselling california" means they have to be in that order.. but just using a broad match for counselling california.. as it turns out.. means that I will match for a search of

I want a holiday to california...

so how do I setup the equivalent of a match that equates to wanting to match the appearance of two kewords, ie counselling california.. in a search term, but in any order.. but providing BOTH appear.

there are literally hundreds of derivates.. ie counselling in california.. near california.. counselling practise california etc.. the list is ridiculous..

How do people go about this?

The problem I have is that In one campaign, I have 3 seperate ad groups

one for Family Counselling, one for Relationship Counselling, and then one for generic counselling.

I had it setup thinking a broad match required both terms (in a two keyword phrase) to be in the search term..

so, I had relationship couselling, couple counselling etc in my relationship group, then in my family group, I had family counselling counselling for parents etc... but what I found .. was because only one word of a keyphrase is required in a broad match, the wrong adds were appearing..

this is newbie question, but I found several sites that mistakenly promote a broad match as having to match both terms, but in any order.

Thanks,
Dean!