Is a fee-based structure already the norm?

With just over a year to go before the implementation of the RDR, the countdown is well underway. The review’s requirements are the most demanding the industry has ever seen, and although many advisers would like to be ready for the new regime as early as possible, full preparation is quite a way off for the vast majority. So, just how far along the transitory road are advisers? To shed some light on this often asked question, we examined data input by advisers into the Selectapension pension transfer calculators and income drawdown tools to see what evidence there was that they are al...