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.