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The key element to remaining on the default panel is that eligible funds must not pay Intra-Fund salaries or bonuses for the provision of actual personal advice. ie no "complimentary two personal advice appointments" allowed. This blatant abuse of the rules must be banned, as it is an ongoing marketing sales commission, clear & simple. The bonuses being paid out of the Intra-Fund fee is also a clear breach of the FASEA Code, as it is an obvious conflict of interest.