Financial advice has never been free, but the Retail Distribution Review, which comes into force on 31 December 2012, is set to make advice clearer and more straightforward for individuals. Part two of our guide to RDR explains what investors need to know about the new regime; how they can make sure they are getting the advice they are paying for; or whether they should 'go it alone' and invest without professional advice at all. With contributions from The Independent on Sunday's Julian Knight, Mark Atherton from The Times, Investment Week's Lawrence Gosling, Richard Wood from BRWM and Gill Cardy from IFA Centre.
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