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Reality, you seem very black and white which makes me think you have never serviced a client in your entire life. But that aside, following your statement above, what is your view on charging everyone a fee and providing advice to only a few as is the funding model for intra fund advice? To me intra fund advice is commission paid and retained by the product provider which pays staff to do what advisers do. The only difference is staff a much more loyal/controllable and will recommend their employers fund every time.