The primary way to bring down costs for consumers is to change the Annual Fee Renewal Form to a one-off form that is only changed when the fee amount changes, or when the client wishes to Opt Out. More so, given that this highly cost-inefficient ongoing red tape does not exist in any other nation on earth. Until then, advice (as we currently know it) will always remain the domain of the rich, which is a shocking travesty against time-poor working families. Also, people will pay an additional fee. Just look at the number of people who pay a co-payment to their Doctor for health services. The days of "free" advice & "free" health care are numbered for most people. And despite what they say, they know it.