OK, a little financial advice business navel-gazing, but nothing new there. We\u2019ve been receiving twice as many new enquiries in the last year or so, but far fewer are becoming clients. We\u2019re seeing less of those face-to-face than we did pre-pan, the theory being we can keep our charges, which we reduced to reflect less face-to-face meetings, low. Our initial fees are 1-2%, our annual 0.5%, compared with the average 3-4% and 0.75%. Big online companies who\u2019ll never see you, still charge 0.5% for their telephone services (\u2018we\u2019ll always answer your call within a minute\u2019). So. Should we go back to the (good? bad?) old-days model, see less people but in person, and charge more? Should we stay where we are, learn to say \u2018no\u2019 and accept less for more? Or should we wait for a happy medium to arrive; if so, can someone tell me what it is or will be? Answers via anything but Twitter, please.<\/p>\n