FSA answers advisers' top questions on RDR

1. Post 2012, can someone who does not have an appropriate RDR qualification carry out a fact-find or other client-related activities? Yes, as long as the individual is not making a personal recommendation or advising on the merits of buying or selling a particular investment. Individuals doing other roles within a firm will still need to be competent, which includes holding other appropriate qualifications for other activities described within our Training and Competence (TC) sourcebook. At the same time, firms need to be very careful to ensure individuals are not inadvertently act...