Is CFS truly supported advice for busy young working families they would lobby the Fed Govt to eliminate adviser Annual Fee Renewal Consent forms (that do not exist in any other nation on earth). Until then, these institutions are only really interested in looking after millionaires who aren't subject to such imposts. The reality is that without AFRC forms, if retail advisers can be made efficient again, they can provide cost-effective service support to young working families for as little as $40 a month, not $400 a month. This issue will not go away until the playing field favouring ONGOING Intra-Fund "advice" fees, that is vastly stacked against retail advisers, is levelled.