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Once again the FPA concentrates on consumers, not the members that actually pay you. Hey FPA ill tell you something for free. Clients will not pay more for advice so its us smaller operators that are being squashed out of existence with these rising fees. I know you don't care as we aren't professional partners,but please don't ever say you speak for all planners as you only speak for a select few. These guys don't get it, and I think its as they are all on wages and don't need to work for their money anymore. They don't get it clients will not PAY more for advice, they will just stop getting it. Stop rolling over all the time FPA, chose a side and stick to it, is it advisers or clients? If its clients get them to join the FPA, then they can pay you to work for them, at the moment members money is cross subsidising this work thats not actually adding any value at all for advisers.