Eight years ago, my husband & I invested in managed funds through a broker. We have not had an ongoing relationship with him since, other than updating some life insurance a couple of years ago. He has not proactively advised us during this time, but has answered general questions if I have called him. When changing over my life insurance, he actually misinformed me about my entitlement to collecting the govt co-contribution for super - he said I couldn't get it, and would be better off salary sacrificing. I had to go to the ATO website and show him he was incorrect!! Anyway, it all got me thinking that we are not getting very good value for money for the ongoing trails he is collecting. I am thinking of nominating iRefund as my broker to recieve a rebate. I have read the threads about this being unethical & tend to agree, but at the end of the day, how ethical is it for this guy to continue to receive a trail after eight years of doing nothing more than submitting our application forms? He also collected a hefty up front fee from our intial investments. Are there any pitfalls associated with using these companies? Has anyone had any experiences - good or bad? Are there brokers out there who would share the commission or at least review your situation each year?