I liked many of the comments made by Martin Lewis in the following article. http://www.moneymarketing.co.uk/pensions/martin-lewis-advisers-reputationally-damaged-by-rdr-debate/1059815.article I agree that the RDR process has been detrimental to the Independent Financial Advisors. I particularly liked his comment that people are waking up to the fact that High Street Banking staff are salesmen and not Advisors.rnrnThis information is intended to provide a general review of certain topics and its purpose is to inform but not to recommend or support any specific investment or course of action. The tips may not apply, or be suitable, to everyone and you should contact us for advice if you are unsure whether this is the case.rn