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I would like to think that virtually no advisers are leaving do to "Ethics". A course and exam on ethics is reasonable and indeed most dealer groups have already been beefing this up over the past year or two. Its having to obtain degree equivalent courses when you are 5 years from retirement. Personally speaking i have a university degree and a Graduate Diploma from SIA which included a course in Law and Ethics. However that will all count for very little. Having spoken to a few advisers (age 55+) they are not interested in taking on a significant education demand at this stage in their career. Advisers leaving will have little to do with ethics.