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This, the LIF, FASEA, ASIC, The FSC O'Dwyer and even the FPA and AFA have effectively culled the industry already so you had better get used to it. There will be less than 50% of advisers left in this industry in less than 6 years and only the rich will be able to afford financial advice. Most dealerships and the FPA and AFA won't exist in 6 years.