Adviser charging: Fair or foul?

In last month's Retirement Planner inquiry "RDR: Survive and Adapt", we found that many advisers who switched from commission-based models to fees understandably had a difficult time adapting to the changes. Generally speaking, in the post-Retail Distribution Review (RDR) world advisers are charging fees in three separate ways: a percentage-based initial charge with fees for ongoing service, a fixed fee or an hourly fee. Many other commentators have said the transition to  adviser charging has been a lot less tough than previously imagined. Prudential distribution change director R...