The RC highlighted the way the big vertically integrated end of town operated in an unethical manner (and I felt sick to my stomach watching it live) and cleaned out those who weren't acting in the clients best interests. The upshot though has been a bureaucratic overlay of rules, regulations and unending paperwork & increased cost that unsurprisingly the QAR wants rolled back completely. The damage done to some advisers health, business, revenue & their clients cannot be understated. The responses in this article are "sugar coated" and don't reflect this reality. It is now harder than ever to run a financial advice business in a profitable and productive manner