What the !!!
Please refer Royal Commission where poor conduct predominantly related to the exact organisations she is looking to provide lower advice hurdles. If at all they should be the ones requiring SoA's, RoA's, filenotes, signed renewals and consents as opposed to relevant providers who have met all the hurdles that have been thrown at them to date.
Maybe Michelle needs to disclose her potential conflicts of interest as per her Allens profile "Michelle's clients include the wealth management areas of each of the major banks, life insurance companies and industry and corporate funds." which implies a degree of familiarity.