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Compliance is a nightmare. Annual opt ins, reviews when regulations dictates (rather than the situation of the client), demonstrating informed consent, product authorities etc the list goes on.
Clients very well aware what they pay me and you I suspect (unless you are a product provider) so, why not step aside. Terminate all fees from product. Charge a client from their cash account not from product. No issues. Put the Financial Planner hate on only when a product recommendation is required (end of year contributions etc covered in in initial soa) and get back to "service" for clients. Large client make wholesale.