text: Sniktaw, I would have absolutely no issue with having a fiduciary duty to my clients. It would not change anything I do currently.
  And yes, I do discuss all fees including TER's. I agree that CRM2 is weak in that area.
  You are entitled to your opinion about how you think I service clients. However, you don't know me or anything about my level of service.
  The reason I know that smaller clients would kicked to the curb in the fee for service model is that all clients would be charged by the hour and clients with smaller assets will simply choose not to pay the price. 
  I a not sure what you have experienced to cause you to be so bitter.
  You seem to be a good candidate for opening up a do it yourself broker account. You obviously are not working with an advisor and paying embedded fees.
  Why are you so intent on taking away an option for someone else?