Sales-advice split by FSA heralds product changes


The UK is moving towards a radical shake up of the way it regulates the sale of financial products, according to an interim report published as part of the UK Financial Services Authority's (FSA) retail distribution review (RDR). In particular, a move to ringfence professionalised advice from sales is likely to have a profound effect on the relationship between life companies and so-called independent financial advisers (IFAs).

While the UK has moved away from the tied distribution model that

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