Armchair Critic: Who should pay for what?

It is often said - usually when advisers are not present - that advisers will not pay for anything. This is of course, nonsense. Advisers pay for most of the things they need to run their practice - just like any other business. There are certain things, however, for which they tend not to pay and these, as we approach the sixth anniversary of the Retail Distribution Review (RDR), do need to be reconsidered.  The things that advisers do not usually pay for are those that product providers either did or do offer - for free. These include: * Events and training - both face-to-face and o...