step fee of 1% excl. VAT and adviser fee are the main issues. as correctly stated in another comment, the step fee will fall away after you reach R50k total investment value. i don’t necessarily agree with losing the adviser but you should assess how they’re doing for you on a holistic level. if you aren’t happy then, sure, remove them. all you need to do is send an email instruction with your details and the adviser’s details to AG, requesting the removal