Consumers will always choose the better-qualified adviser where they can afford it. Financial Advisers are equipped to also provide Simple Advice. They don't have to wait to get their processes in place. All they need is for the government to legislate for the use of the simpler Advice Record. Fintechs have already created software that enables simple advice to be delivered to future full-service clients at a fee they can afford and still allow the financial adviser to receive adequate renumeration for their work.