Karl Dines: The butterfly effect in advisers' CIPs

First of three

clock • 3 min read

In the first article of a three-part series for Professional Adviser, Karl Dines explores the changing parts in advisers central investment propositions and how the Retail Distribution Review changed the game...

We've come a long way. If you're a seasoned veteran in our profession, you will remember the Retail Distribution Review (RDR) and those who don't will have heard rumours of the world before and after RDR, and how it would lead our industry to a cataclysmic end (again). The Retail Distribution Review was probably one of the most impactful events in financial services because of its wide-ranging reforms; very similar to MiFID II. It came into effect in 2013 and was designed to make the retail investment market work better for consumers. It raised the level of qualifications for advisers, i...

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