Complex sentence: He founded PayMeMy.com in September 2011; a service which pays back'trail' commissions-often thousands of pounds a year-to policy-holders themselves, instead of the IFAs who originally set the policies up.
Split into simpler sentences: He founded PayMeMy.com in September 2011; a service which pays back'trail' commissions to clients of IFAs. This money-which can often add up to thousands of pounds a year-is paid to clients instead of the IFAs who originally set the policies up.