I can already see the ad campaigns from the institutions. Why pay for a financial adviser when you can use one of our qualified financial advisers for free. I'm at a loss to see how this process ever got this far. Is this not what discussions with the FAAA, etc are supposed to nut out before thing ever get this far? I cannot even point a political finger because they're all in on this. Watch for the eventual nationalisation of the retirement pool. It's too tempting for any government to leave this pile of money alone.