What an ongoing fee is and isn’t What an ongoing fee is and isn’t Annual opt-in arrangements are set to cause headaches for the industry from next financial year, but there are ways to structure fee arrangements so advisers don’t get caught by the new rules, a compliance expert has said. A A Addressing the AIOFP conference in Hobart on Wednesday, Philborne Financial Consultants director Phil Osborne said it was important for advisers to understand that not all flat-fee arrangements would qualify as ongoing fees under new royal commission legislation, which was set to come into force from 1 July.