Respectfully, if legislation forces advisers to have to invoice clients directly each and every year, a massive chunk of advisers from every business will move on... Most simply don't service their clients and if they go to someone they haven't spoken to for in some cases, several years, to asking for several thousands of $$ for their service clients won't pay it...
Many 'advice' practices have been built on buying books of clients where most never get spoken to. Many don't even have the correct addresses on file but continue to get paid pre-opt in fees/commissions from them. Those businesses become untenable if these changes come to fruition, and I hope they do. AMP has plenty of that with books or orphaned clients being sold back and forth.
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