Karl Dines: Demonstrating your financial advice charges are fair and clear

In the first of this series of three articles, we explored the butterfly effect and the early days of the Retail Distribution Review (RDR). The world didn't end but it did profoundly change the way firms were remunerated. In the second we looked at how firm remuneration changed from being provider-driven to client-driven and, in this third article, we will explore how one might consider constructing a charging strategy in more detail, and whether it should, or should not, be different for post-retirement advice. The phrase ‘clear, fair and not misleading' often crops up in regulator p...