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You sound like you're conscientious and doing exactly as you are told to and clients are happy with you. That was the same for a large % of planners in AMP, the banks and other insto's. The issue you are missing is that the system has been corrupted and the status quo has landed in an obscene spot, much akin to the 'segregation' era in the US when white people were deemed superior simply by not being any other race. ISA has an artificial misguided segregation carved out by a corrupted system that doesn't base a person's value (or advice provision) on a consistently objective basis, but rather an extremely biased and fundamentally flawed approach as abhorrent as apartheid or segregation ever was.