A number of dealer groups are looking to split up advice services into bite-sized chunks, thereby moving away from the traditional holistic advice model.

AMP Financial Services is implementing what it calls a "modular system", in which it looks to offer clients a basic option that can be expanded by add-on advice services.

"The point is that the module will have separate pricings and the client can choose the modules that are right for them with their planner. If they are not right for them they will have a simpler product," AMP Financial Services managing director Craig Meller said.

Part of the reason to move to such a model was to bring down the cost of advice and attract a broader range of clients at the same time, Meller said.

"Middle Australia just hasn't been receiving advice. Only 20 per cent of Australians actually get advice," he said.

The system would be gradually implemented in the coming years, he said.

Snowball Group's financial planners already work with a similar model, which Snowball managing director Tony McDonald called the tiered model.

"In a country of 21 million people there aren't a lot of high net worth clients," McDonald said.

"But the promise from the planner to the client was: 'I'll still give you a first-class, high net worth treatment'."

National Australia Bank (NAB), on the other hand, said it would not need to make changes to its advice model to offer such an approach.

"The team structure within NAB Financial Planning means that business is ideally placed to service the full range of client needs from simple advice through to complex advice," a spokesperson said.