In Focus: 10 years of RDR

The end of this year marks the tenth anniversary of the beginning of a new era for advisers. On December 31, 2012 the Retail Distribution Review took effect, forever changing how retail investment products are sold and advisers do business. So, 10 years on, how has the industry fared? Has the legislation achieved what it set out to achieve? What has changed for the better, what for the worse? This hub explores the first 10 years of RDR. 

In Focus: 10 years of RDR
Jan 25 2023
'Horrible time' and 'best thing': Advisers share their experiences with the RDR
'Horrible time' and 'best thing': Advisers share their experiences with the RDR
In Focus: 10 years of RDR
Jan 25 2023
The RDR was revolutionary, but 10 years on it’s time for a rethink
Steven Cameron
Steven Cameron
In Focus: 10 years of RDR
Jan 24 2023
FCA admits simplified advice likely to interest larger financial firms
FCA admits simplified advice likely to interest larger financial firms
In Focus: 10 years of RDR
Jan 24 2023
'We need an intervention that solves the problem customers tell us they've got'
'We need an intervention that solves the problem customers tell us they've got'
In Focus: 10 years of RDR
Jan 24 2023
'Regulation has shifted and consumer duty is evidence of that'
'Regulation has shifted and consumer duty is evidence of that'
In Focus: 10 years of RDR
Jan 23 2023
Nearly half of firms approached by consolidator in just one month
Nearly half of firms approached by consolidator in just one month
In Focus: 10 years of RDR
Jan 19 2023
IFAs anticipate lower turnover in 2023 but optimism remains
IFAs anticipate lower turnover in 2023 but optimism remains
In Focus: 10 years of RDR
Jan 19 2023
FCA launches review into retirement income advice
FCA launches review into retirement income advice
In Focus: 10 years of RDR
Jan 18 2023
Consumer duty: FCA provides clarity on products and services outcome
Consumer duty: FCA provides clarity on products and services outcome
In Focus: 10 years of RDR
Jan 18 2023
Financial planners need to drop their false sense of inferiority
Paul Hamilton
Paul Hamilton
In Focus: 10 years of RDR
Jan 18 2023
SJP: 'We are very comfortable with our approach to charging'
SJP: 'We are very comfortable with our approach to charging'
In Focus: 10 years of RDR
Jan 16 2023
Understanding post-RDR charges is 'incredibly tough'
Understanding post-RDR charges is 'incredibly tough'
In Focus: 10 years of RDR
Jan 16 2023
Independent advice model 'increasingly important'
Independent advice model 'increasingly important'
In Focus: 10 years of RDR
Jan 13 2023
Clients not to blame for advice gap, the industry is
Clients not to blame for advice gap, the industry is
In Focus: 10 years of RDR
Jan 12 2023
Advisers see clients question fees amid inflation pressure
Advisers see clients question fees amid inflation pressure
In Focus: 10 years of RDR
Jan 11 2023
Consumer duty 'powerful new way to hold firms to account’
Consumer duty 'powerful new way to hold firms to account’
In Focus: 10 years of RDR
Jan 11 2023
'Clients do not mind if an adviser is restricted or independent'
'Clients do not mind if an adviser is restricted or independent'
In Focus: 10 years of RDR
Jan 11 2023
FCA finds biggest number of innovators in retail and investment sectors
FCA finds biggest number of innovators in retail and investment sectors
CPD
In Focus: 10 years of RDR
Jan 11 2023
~ 30 min
How investing has changed in 10 years of RDR
How investing has changed in 10 years of RDR
In Focus: 10 years of RDR
Jan 10 2023
RDR ended my career, but it was the best thing that ever happened to me
Wesley Wilkes
Wesley Wilkes
In Focus: 10 years of RDR
Jan 10 2023
Consumer duty 'at its heart is a culture shift'
Consumer duty 'at its heart is a culture shift'
In Focus: 10 years of RDR
Jan 9 2023
Former editor Hal Austin: 'Chance to professionalise advice was missed'
Former editor Hal Austin: 'Chance to professionalise advice was missed'
In Focus: 10 years of RDR
Jan 5 2023
Fines issued by the FCA more than doubled in 2022
Fines issued by the FCA more than doubled in 2022
In Focus: 10 years of RDR
Jan 4 2023
The real impact of RDR is empowerment, not professionalism
Simon Harrington
Simon Harrington
In Focus: 10 years of RDR
Jan 3 2023
'Platforms have lacked innovation since pension freedoms'
'Platforms have lacked innovation since pension freedoms'
In Focus: 10 years of RDR
Dec 28 2022
Financial resilience has been 'pushed to the limit'
Financial resilience has been 'pushed to the limit'
In Focus: 10 years of RDR
Dec 28 2022
Ahead of 'RDR 2.0' we see a picture of growth by any means
Jonathan Sandell
Jonathan Sandell
In Focus: 10 years of RDR
Dec 28 2022
Investors must innovate to stay ahead of FCA’s SDR proposal
Investors must innovate to stay ahead of FCA’s SDR proposal
CPD
In Focus: 10 years of RDR
Dec 21 2022
~ 30 min
What is the legacy of the RDR 10 years on?
What is the legacy of the RDR 10 years on?
In Focus: 10 years of RDR
Dec 20 2022
Advice consolidation to ramp up in 2023
Advice consolidation to ramp up in 2023
In Focus: 10 years of RDR
Dec 20 2022
Consumer duty tops the list of things IFAs must get right in 2023
Consumer duty tops the list of things IFAs must get right in 2023
In Focus: 10 years of RDR
Dec 20 2022
Ken Davy: FSCS funding needs 'real reform' in 2023
Ken Davy: FSCS funding needs 'real reform' in 2023
In Focus: 10 years of RDR
Dec 20 2022
Succession planning is not just an academic exercise
Antony Champion
Antony Champion
In Focus: 10 years of RDR
Dec 19 2022
'There's no question there has been a rise in the quality of the profession'
'There's no question there has been a rise in the quality of the profession'
In Focus: 10 years of RDR
Dec 19 2022
Ten years on: Has RDR been a success?
Ten years on: Has RDR been a success?
In Focus: 10 years of RDR
Dec 16 2022
Challenge for advisers will be proving consumer duty compliance
Challenge for advisers will be proving consumer duty compliance
In Focus: 10 years of RDR
Dec 16 2022
Treasury reforms could hamper FCA’s agility, says new chair
Treasury reforms could hamper FCA’s agility, says new chair
In Focus: 10 years of RDR
Dec 15 2022
Treasury committee approves FCA chair despite 'inexperience'
Treasury committee approves FCA chair despite 'inexperience'
In Focus: 10 years of RDR
Dec 14 2022
Users encouraged to seek financial advice by AI chatbot
Users encouraged to seek financial advice by AI chatbot
In Focus: 10 years of RDR
Dec 14 2022
FCA ‘remains open’ to reducing FSCS protection for advice
FCA ‘remains open’ to reducing FSCS protection for advice
CPD
In Focus: 10 years of RDR
Dec 14 2022
~ 30 min
How RDR has shaped the consumer duty
How RDR has shaped the consumer duty
In Focus: 10 years of RDR
Dec 14 2022
FCA to consider higher compensation limits for pension claims
FCA to consider higher compensation limits for pension claims
In Focus: 10 years of RDR
Dec 13 2022
'We are slowly moving from an industry to a profession'
'We are slowly moving from an industry to a profession'
In Focus: 10 years of RDR
Dec 12 2022
Some advice firms were worth a lot more a few years ago
Steve Hagues
In Focus: 10 years of RDR
Dec 9 2022
Treasury adds ‘economic growth’ to proposed FCA duties
Treasury adds ‘economic growth’ to proposed FCA duties
In Focus: 10 years of RDR
Dec 8 2022
Industry welcomes personalised guidance amendment to bill
Industry welcomes personalised guidance amendment to bill
In Focus: 10 years of RDR
Dec 8 2022
FCA simplified advice ‘unlikely to be of interest’ to advisers
FCA simplified advice ‘unlikely to be of interest’ to advisers
In Focus: 10 years of RDR
Dec 7 2022
Pension firms should look ‘beyond narrow compliance’
Pension firms should look ‘beyond narrow compliance’
CPD
In Focus: 10 years of RDR
Dec 7 2022
~ 30 min
How adviser M&A deals have changed in 10 years of RDR
How adviser M&A deals have changed in 10 years of RDR
In Focus: 10 years of RDR
Dec 7 2022
'There was talent that could have been harnessed and instead it was lost'
'There was talent that could have been harnessed and instead it was lost'
In Focus: 10 years of RDR
Dec 6 2022
There was good to come out of the RDR in many ways, but at a price
Derek Bradley
Derek Bradley
In Focus: 10 years of RDR
Dec 5 2022
Time for advice firms to create their own pipeline of candidates
Time for advice firms to create their own pipeline of candidates
In Focus: 10 years of RDR
Dec 5 2022
'Advice profession can't support a levelling up agenda driven by the FCA'
'Advice profession can't support a levelling up agenda driven by the FCA'
In Focus: 10 years of RDR
Dec 5 2022
FCA could look ‘further’ at advice firms’ ongoing service
FCA could look ‘further’ at advice firms’ ongoing service
In Focus: 10 years of RDR
Dec 2 2022
Advice gap is expanding, advisers say
Advice gap is expanding, advisers say
In Focus: 10 years of RDR
Dec 1 2022
Most advisers worried about losing business in wealth transfers
Most advisers worried about losing business in wealth transfers
In Focus: 10 years of RDR
Nov 30 2022
Devilish details in the FCA's simplified advice regime
Devilish details in the FCA's simplified advice regime
In Focus: 10 years of RDR
Nov 30 2022
Simplified advice will only work if linked to ‘reduction in adviser liability’
Simplified advice will only work if linked to ‘reduction in adviser liability’
In Focus: 10 years of RDR
Nov 30 2022
FCA moves to launch simplified advice regime to boost access
FCA moves to launch simplified advice regime to boost access
A service from the Financial Times