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Calling bullshit on this Matt. CBA knew exactly what they were doing by charging 0.55% fee on all CBAFP clients and not providing any formal review service. Having swapped from another dealer group to CBAFP in 2012, I raised this anomaly numerous times including all the way to Marianne Perkovic and was told the business model could not afford it. It was (and I assume still is) all about the profit margins and bonuses with CBA.