The Association of Financial Advisers' (AFA) call to financial planners to reject a move away from commissions was disappointing and short-sighted, FPA chief executive Jo-Anne Bloch said.

On Wednesday the AFA raised concerns about the FPA consultation paper, which outlined a transition by financial planners to a fee-for-service model.

AFA chief executive Richard Klipin said banning commissions takes away a consumer's fundamental right to choose, a right which has been enshrined in legislation since 2004.

"We are not banning commissions, rather encouraging our members to transition to fee-based remuneration models to protect the profession and consumers," Bloch said.

"The reality is that continuing to use a commission-based approach leaves planners open to accusations of conflict of interest and of lacking transparency."

Bloch also rejected the AFA's arguments that a fee-based approach would make financial advice unaffordable for many Australians.

"An asset-based fee, directed by the client, will ensure consumers can access affordable financial advice," Bloch said.

Bloch also slammed the AFA's claims that the FPA did not represent the interests of its members.

"The position adopted by the AFA is nothing more than an attempt to recruit FPA members and runs counter to the best interests of planners, clients and the wider community," Bloch said.

"It is a shame the AFA is trying to split the industry during a consultation period, through misleading statements designed to instil fear."