Why all the carry on about this $300 fee cap. If you have an existing client who asks you whether they should be accessing their super early, wouldn't you already have enough info on file to be able to give them verbal advice over the phone and then you do the ROA after that, with no need to even send it to them. If you're already charging an ongoing fee to the client then this type of advice should be included. If they pay an adhoc fee, then charge them $300....it'd be a 10 minute phone call and maybe half an hour to push out a 2 page ROA. There's no need for product comparisons or anything time consuming. If they're clients you've never met before don't even consider it, direct them to their super fund or the treasury info sheet, it's not worth the risk.
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