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Well the admin fees are clearly disclosed and are still some of the lowest in the country, so I sleep easily at night. You can put advice in quotations marks if you like, it doesn't change the fact that the people I speak to are getting personal financial advice.

70% of the people I speak to would not normally be on an adviser's ideal prospect list; you don't want to service them so what is the problem with someone else doing it? Your cynicism is counter-productive.