From the Ed: It is the end of... a calendar

For the doomsayers, the Retail Distribution Review (RDR) is going to herald two huge changes: fewer advisers and fewer consumers seeking (or being able to pay for) advice. No doubt over the next few months you will read plenty of anecdotal evidence about the impact the RDR is having, though I suspect it'll be at least a year before we start to see any changes we can reliably attribute to the RDR. Even then, we may be spoon-fed information pulled together by the Financial Conduct Authority, which may or may not be inclined to paint a rosy picture of the post-RDR world regardless of wha...