The final part of our three-part guide to the retail distribution review, which comes into effect on December 31 2012. What effect will the RDR shake-up have on financial advisers? Will they rise to the challenge of greater transparency? How many will stay in the industry? And what about investors unwilling to pay upfront for advice? Featuring the IFA's Gill Cardy, Julian Knight from the Independent on Sunday, Investment Week's Lawrence Gosling and Richard Wood from BRWM.