Holloway products and the RDR

As chief executive of Cirencester friendly, I have been heavily involved in discussions with the FSA surrounding Holloway products and where they fit in with RDR. Under the original proposals IFA's would have to charge for the advice they provide on Holloway products. This was a big concern to mutual organisations whose products are aimed at a core market of blue collar workers and self employed, many of whom are unwilling or even unable to afford to pay for advice. It was feared that this would discourage take up of the products by the very people who would benefit from them the m...