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Yep. The low income earners are quickly discovering that due to the massive amounts of red tape being slapped on advisers, no one can afford to talk to them. They are being ditched at a rate of knots, creating a massive stockpile of small orphan accounts within most of the established fund managers. Simply pathetic. But not to worry, we are educating these individuals, one by one, in whose best interest this is - the particular entities who created (& want) this situation to continue. Its certainly NOT in the best interest of people seeking advice, that's for sure.