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	<description>The Business of Financial Advice</description>
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		<title>Model IFA Conduct of Business Rules</title>
		<link>http://www.brilliantwithadvice.co.uk/blog/2012/03/05/model-ifa-conduct-of-business-rules/</link>
		<comments>http://www.brilliantwithadvice.co.uk/blog/2012/03/05/model-ifa-conduct-of-business-rules/#comments</comments>
		<pubDate>Mon, 05 Mar 2012 10:10:34 +0000</pubDate>
		<dc:creator>Nick Bamford</dc:creator>
				<category><![CDATA[Retail Distribution Review]]></category>

		<guid isPermaLink="false">http://www.brilliantwithadvice.co.uk/?p=971</guid>
		<description><![CDATA[If like me you think that it is important to protect clients through a robust regulatory regime but that the one we have has just go too top-heavy, perhaps we can convince the new Financial Conduct Authority to massively simplify the conduct of business rules? It strikes me that a very simple set of rules [...]]]></description>
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		<slash:comments>6</slash:comments>
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		<title>Nothing changes</title>
		<link>http://www.brilliantwithadvice.co.uk/blog/2012/03/02/nothing-changes/</link>
		<comments>http://www.brilliantwithadvice.co.uk/blog/2012/03/02/nothing-changes/#comments</comments>
		<pubDate>Fri, 02 Mar 2012 08:14:18 +0000</pubDate>
		<dc:creator>Nick Bamford</dc:creator>
				<category><![CDATA[Retail Distribution Review]]></category>

		<guid isPermaLink="false">http://www.brilliantwithadvice.co.uk/?p=966</guid>
		<description><![CDATA[A group of MPs, industry “figures” and others have written a letter calling on the FSA to review the impact the RDR will have upon access to advice for the poorest group of consumers, those at retirement with small pension pots. “The signatories said the RDR will lead to the poorest pensioners failing to receive [...]]]></description>
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		<slash:comments>1</slash:comments>
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		<title>The IFA Proposition &#8211; Q and A</title>
		<link>http://www.brilliantwithadvice.co.uk/blog/2012/03/01/the-ifa-proposition-qa/</link>
		<comments>http://www.brilliantwithadvice.co.uk/blog/2012/03/01/the-ifa-proposition-qa/#comments</comments>
		<pubDate>Thu, 01 Mar 2012 13:27:03 +0000</pubDate>
		<dc:creator>Nick Bamford</dc:creator>
				<category><![CDATA[Retail Distribution Review]]></category>

		<guid isPermaLink="false">http://www.brilliantwithadvice.co.uk/?p=962</guid>
		<description><![CDATA[On Tuesday 28th February I presented a webcast for Thought leadership Live on the subject of the IFA Proposition. I described the issues that an IFA might consider in designing a client proposition that would be valuable to and valued by the client and also described the way we designed and implemented our proposition not [...]]]></description>
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		<slash:comments>0</slash:comments>
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		<title>Standing out from the crowd</title>
		<link>http://www.brilliantwithadvice.co.uk/blog/2012/02/13/standing-out-from-the-crowd/</link>
		<comments>http://www.brilliantwithadvice.co.uk/blog/2012/02/13/standing-out-from-the-crowd/#comments</comments>
		<pubDate>Mon, 13 Feb 2012 13:50:55 +0000</pubDate>
		<dc:creator>Nick Bamford</dc:creator>
				<category><![CDATA[Retail Distribution Review]]></category>

		<guid isPermaLink="false">http://www.brilliantwithadvice.co.uk/?p=956</guid>
		<description><![CDATA[This morning I had a session with my colleague Andrew Neligan who is our Financial Planning Director in preparation for a workshop we are running with Solicitors in Guildford next week. The session is about the use of Social Media as part of the marketing mix that a professional firm might employ to attract new [...]]]></description>
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		<slash:comments>2</slash:comments>
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		<title>Qualifications don&#8217;t matter</title>
		<link>http://www.brilliantwithadvice.co.uk/blog/2012/02/10/qualifications-dont-matter/</link>
		<comments>http://www.brilliantwithadvice.co.uk/blog/2012/02/10/qualifications-dont-matter/#comments</comments>
		<pubDate>Fri, 10 Feb 2012 12:42:37 +0000</pubDate>
		<dc:creator>Nick Bamford</dc:creator>
				<category><![CDATA[Retail Distribution Review]]></category>

		<guid isPermaLink="false">http://www.brilliantwithadvice.co.uk/?p=951</guid>
		<description><![CDATA[You could be forgiven for believing that qualifications don’t matter to the financial intermediary. We often read that “clients don’t understand them” and that “experience is more important” Citywire (New Model Adviser) are running a piece at the moment suggesting that the professional connections that we are trying to build relationships with are not really [...]]]></description>
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		<slash:comments>0</slash:comments>
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		<title>Is Adviser Charging the same as fee charging?</title>
		<link>http://www.brilliantwithadvice.co.uk/blog/2012/02/03/is-adviser-charging-the-same-as-fee-charging/</link>
		<comments>http://www.brilliantwithadvice.co.uk/blog/2012/02/03/is-adviser-charging-the-same-as-fee-charging/#comments</comments>
		<pubDate>Fri, 03 Feb 2012 14:35:12 +0000</pubDate>
		<dc:creator>Nick Bamford</dc:creator>
				<category><![CDATA[Retail Distribution Review]]></category>

		<guid isPermaLink="false">http://www.brilliantwithadvice.co.uk/?p=948</guid>
		<description><![CDATA[I have said before that I think it may come down to semantics but it is still worth hearing opinions on this. In your opinion is adviser charging the same as fee charging? If the cost of advice to the consumer is only payable if the client buys a financial product, is that fee charging? [...]]]></description>
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		<slash:comments>5</slash:comments>
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		<title>RDR does NOT mean fees</title>
		<link>http://www.brilliantwithadvice.co.uk/blog/2012/02/02/rdr-does-not-mean-fees/</link>
		<comments>http://www.brilliantwithadvice.co.uk/blog/2012/02/02/rdr-does-not-mean-fees/#comments</comments>
		<pubDate>Thu, 02 Feb 2012 14:46:59 +0000</pubDate>
		<dc:creator>Nick Bamford</dc:creator>
				<category><![CDATA[Retail Distribution Review]]></category>

		<guid isPermaLink="false">http://www.brilliantwithadvice.co.uk/?p=944</guid>
		<description><![CDATA[How disappointing it was to sit in a room at the House of Commons and hear three senior members of the financial services world totally mis-represent the RDR to an MP. To hear people who should know better state that, “The RDR requires people to pay fees to their adviser from their net pay” certainly [...]]]></description>
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		<slash:comments>15</slash:comments>
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		<title>11 months to go</title>
		<link>http://www.brilliantwithadvice.co.uk/blog/2012/01/31/11-months-to-go/</link>
		<comments>http://www.brilliantwithadvice.co.uk/blog/2012/01/31/11-months-to-go/#comments</comments>
		<pubDate>Tue, 31 Jan 2012 11:51:51 +0000</pubDate>
		<dc:creator>Nick Bamford</dc:creator>
				<category><![CDATA[Retail Distribution Review]]></category>

		<guid isPermaLink="false">http://www.brilliantwithadvice.co.uk/?p=941</guid>
		<description><![CDATA[There are just 11 months to go until the new world of the RDR comes into effect. Those IFAs who wish to continue to advise their clients will have secured their level 4 qualifications (and completed their Gap Fill and also obtained their Statement of Professional Standing) and will be planning their next steps (if [...]]]></description>
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		<slash:comments>0</slash:comments>
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		<title>Is advice worth paying for?</title>
		<link>http://www.brilliantwithadvice.co.uk/blog/2012/01/25/is-advice-worth-paying-for/</link>
		<comments>http://www.brilliantwithadvice.co.uk/blog/2012/01/25/is-advice-worth-paying-for/#comments</comments>
		<pubDate>Wed, 25 Jan 2012 15:59:29 +0000</pubDate>
		<dc:creator>Nick Bamford</dc:creator>
				<category><![CDATA[Retail Distribution Review]]></category>

		<guid isPermaLink="false">http://www.brilliantwithadvice.co.uk/?p=938</guid>
		<description><![CDATA[As we find ourselves less than twelve months from the implementation date of the RDR, that may sound like a strange question to ask. Surely by now all IFAs will have worked out that advice is worth paying for? It does not seem that way though. There still seems to be a belief that advice [...]]]></description>
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		<slash:comments>0</slash:comments>
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		<title>The myths about the RDR continue</title>
		<link>http://www.brilliantwithadvice.co.uk/blog/2012/01/24/the-myths-about-the-rdr-continue/</link>
		<comments>http://www.brilliantwithadvice.co.uk/blog/2012/01/24/the-myths-about-the-rdr-continue/#comments</comments>
		<pubDate>Tue, 24 Jan 2012 09:54:29 +0000</pubDate>
		<dc:creator>Nick Bamford</dc:creator>
				<category><![CDATA[Retail Distribution Review]]></category>

		<guid isPermaLink="false">http://www.brilliantwithadvice.co.uk/?p=932</guid>
		<description><![CDATA[We are less than one year away from the implementation of the Retail Distribution Review and an organisation announced today the following results from a survey that they conducted at the end of 2011. The results are in bold and my comments follow them. 1. Over 93% of IFA clients do not understand what the [...]]]></description>
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		<slash:comments>16</slash:comments>
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