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Brett H, you fail to also understand that some of the older trail commission paying products have large exit fees charged to the client upon rollover. I have recently seen one where the exit fee on a $120k account was $4,400. What do you do with this client. The trail received will be a bit over $500pa but in your all commission is bad world you would not be able to pass this client in a BID test just to continue to receive advice. In particular you will always fail BID test if your advice fees were the only driver for this client to change products was so an adviser can charge a higher fee for service!!!!!!!!!!!!