Standard Life is offering advisers commission worth up to 25% of their clients' first year of payments as part of its active money personal pension.
The long-term attractiveness of pensions for very high earners was put in further doubt as a result of the changes within the pre-budget report in December.
Advisers are routinely missing out on business opportunities by failing to engage with younger consumers, according to Standard Life.
The level of payment restructuring still needed to make providers RDR-ready could set back implementation beyond 2012, according to Lighthouse Group executive chairman David Hickey.
Standard Life has maintained bonus rates and cut market value reductions (MVRs) for more than a million with-profits investors.
Standard Life is set to launch a programme on its wrap to help IFA firms prepare for the RDR.
Standard Life has been fined £2.45m by the FSA for serious failures relating to its Pension Sterling fund.
Standard Life had finalised the restructure of its executive team, including the appointment of two new members.
Sir Sandy Crombie, the retiring chief executive of Standard Life and a director of RBS, says the Chancellor's plans to cap bonuses at the bank is "troubling".
The FSA's proposal to ban commission for group personal pensions (GPP) sales is ‘fraught with problems', according to Standard Life's John Lawson.