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    Are you suggesting that it is unethical for an adviser to get paid for the work they do?

    There are strict rules for adviser remuneration. I was one of the first, perhaps the very first, adviser to launch a fee-based system specifically designed for the mass market back in July 2004 when I stopped all 'commission only' advice.

    I did in fact have a lunch bought for me quite recently by a rep from a major insurance group. It does not happen very often and is very nice when it does. It was a 'thank you' for placing a large case with this leading SIPP provider. If you think I am going to be influenced by a lunch regarding a client who generates about £4,000 a year for my business then you are sadly deluded.

    Your little sly personal digs at me are increasingly sad Reg - do get a life.

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