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There is one comment at the moment, we would love to hear your opinion too.

  1. As many may know I was for many years a member of the AIFA council. Once it dropped the ‘i’ and the promised collegiate approach did not materialise I felt it right to resign my position, but remain a member.

    So I was a member for 2013 – APFAs first year. My membership renewal invitation arrived by e-mail on 28th December. The invoice was dated 1st January (A bank Holiday!). I rather thought this smacked of cash flow desperation.

    My irritation was compounded when I saw the amount they wanted me to pay. Bear in mind I’m a sole trader – the charge is £351.00. I would point out that this is 25% more than the IFP subscription and I pay in this case for my CFP Licence and for my SPS within the price. The APFA price is the same as for my membership with the IOD. (Institute of Directors)

    It is not the size of the subscription that annoys, but the fact that a sole trader within a network pays some 70% less. I know money talks and that bulk purchases qualify for discounts, but this is an issue I have harped on about for years and during my tenure on the Council.

    It is evident that the Networks refuse point blank to ask their members to pay an economic amount. It is also evident that the Association has its hand tied. It also seems logical to assume that they don’t have that many individual members. In which case one wonders why they can’t lower the bill for the few while being funded by the many?

    It also yet again highlights one of my pet ‘bleats’. It is yet again evident (as it has been for quite some time) that the Association runs at the behest of the big players. Not only as far as fees are concerned, but policy as well. It is more than apparent that (for example) the Long Stop is far more to the benefit of a Network than a sole trader who can probably get run off cover. The matter of fee refunds (a very current topic), while pleasant for a small IFA, is far more significant for a Network. The examples are numerous and I won’t bore you, or irritate APFA with a long list.

    So you may well ask why I have renewed my membership. Well for me there are tow reasons:

    1. I do find the ‘heads up’ and guidance regarding Regulation and compliance very useful indeed and the subscription is a jolly sight more economical than a Compliance Consultant.
    2. I have always believed that in these matters it is more hones to criticise from within than do so from outside. So I have bought my ticket to moan for another year! Watch this space!

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