Are advice propositions suitable for RDR?

RDR will be with us soon and with it will come the need for advisers to justify their fees. For the first time, clients will have the opportunity to weigh up the benefits of financial advice against the fees they have to pay. One response to RDR (which was perhaps what the FSA was hoping for) was that the financial services industry would create new propositions designed to demonstrate its value to customers. But, perhaps as an example of the law of unintended consequences, there has been a lot of activity developing standardised advice processes and centralised investment proposit...