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What is that word you used, thieve Mr Reality? A little harsh from an ignorant. How dare you? I have been practising for 38 years have a DFP CFP and a Masters In Financial Planning. Do you have a Masters degree in Financial Planning? Given that your grammar is so poor, I doubt it. Service is provided on a very high level by most of us. However, as I stated ,for those policy holders who feel that they have not received adequate service they can pick up the telephone, email or write should they require assistance. The ongoing costs of operating a practice is not cheap. You are possibly an employee and would not understand and probably only work 9 to 5. You have to be very careful if you are going to denigrate somebody like myself and to refer me as a thief is defamatory so I would be vary careful with the language you choose.