We believe that investors are paying very high ongoing management fees for no real benefit. We will demonstrate in the pages of this booklet, that investors are paying ‘1.5% in excess fees, which means fees that are above what is acceptable and reasonable. ‘Excess fees’ fall into two categories:

A financial planner should be paid for work completed at all stages of the relationship however does a trail commission or adviser service fee represent a fair and reasonable way to maintain the relationship between an adviser and a client? And, who does the investment platform really benefit? Both of these issues are discussed in more detail in the following pages.

We have addressed these topics by breaking it up into the following five parts:

Whether investment returns are good or bad, ‘excess fees’ reduce your long term retirement wealth accumulation. We recommend you explore how to reduce your fees by using a fee-for-service financial advisor. Remember:

“Reduce ongoing management fees and increase investment returns;

Reduce ongoing management fees and decrease investment losses”.

When you have completed reading this book, if you feel that a fee-for-service financial advisor can help you better than what your current arrangement is doing, we would be happy to talk with you and further explain how our system works and how it can benefit you.