I read this interesting set of predictions from Aviva http://www.moneymarketing.co.uk/adviser-news/aviva-predicts-over-75-of-market-could-be-restricted/1049011.article I hope the predictions do not come to pass. If financial advisors are not independent they cannot be guaranteed to find the client the best deal. The reputation of the profession will decline and those that remain independent will be disproportionately picking up any bills for compensation.rnrnThis information is the opinion of the author and 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.rn