The Financial Services Industry should have adopted opt out not opt in. An awareness campaign on opt out would allow clients to opt out if they no longer want advice. Instead we adopted a system that every client now has to opt in. Yet again we make it harder for the people that are engaged and want to get ahead. An exemption on group is a joke. The whole Industry should have adopted opt out! I can tell you having your staff to process FDS and opt in is a huge cost to business and to the end costumer. Opt out would allow the consumer to leave at any time and be clearly informed and save a massive amount of administration burden and achieve the same outcome and I would argue a better informed as the client would feel more in control at all time.