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When I review a client or receive a query on his existing investments, I have to go through a personal advice process and create and advice document to say hold. Why are the two same processes different in outcomes and charges and why is the fee hidden as an Admin fee? Then how do they meet the FASEA standard that says you must take into account all other things that would be considered reasonable. Are you saying it is not reasonable to consider the Fund you're with, the fees, the insurances etc and only consider which Risk profile and asset class selection they make? The intra fund advice is oblivious and therefore dangerous. You are saying the member knows exactly what they want and have considered all other issues. It is not promoting good advice in my opinion.