Fee's McIntosh Financial Planning Pty Ltd is a genuine hourly rate fee for service firm. All upfront brokerage is rebated. We also limit trail brokerage to a maximum of 0.6% In addition we do not charge costly ongoing portfolio monitoring services as we believe on going reviews are a more adequate and cost effective approach. Please note we DO NOT use NIL entry fee funds. Most of these products have exit fees in the first three to five years, and commissions are funded from an additional asset charge during the three to five year period.