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Intrafund advice is NOT only "low level and basic" and can include the following:

- Risk profiling in relation to investment advice
- Salary sacrifice strategies to minimise PAYG tax
- Transition to Retirement strategies incl. establishment of NEW pension products
- Insurance needs analysis to obtain and/or increase cover within a super fund
- Estate Planning advice with the recommendations (e.g. Binding Death Benefit Nominations)

Now, as there are NUMEROUS industry funds that do not charge for these advice topics please tell if this type of "basic" advice should be cross-subsidised? If your answer is in the affirmative, then please expand on how this differs from advisers in the past who received commissions from product providers? Also, please provide examples of non-industry fund providers who give free advice on all of the above topics?