1. Dr Peter Williams FCII FPFS Chartered Financial Planner Independent Business Consultant March 2012 1

2. Wealth warning This is a generic presentation to fellow professionals I am not FSA regulated or authorised and this is not investment advice Comments are based on my professional opinion Legislation and regulations will change. So will client’s circumstances Oh, and.... I am currently the Chairman of the CII’s QEAC and a past Vice President of the CII and PFS...and..... Remember about mobiles and fire exits ! 2

3. The state of play – Who will Thrive Post 2013? At the last RDR invitational I said that qualifications and professionalism was now a hygiene factor – the winners would be those who embraced change built a consumer focused business model and successfully pilot their path through the transition Whilst I was away on holiday..................

4. The FSA & HMRC decided to provide some further ‘guidance’ Guidance on Independent & Restricted Policy Statement PS12/3 – Adviser Charging & legacy assets Final Guidance on DIFs Guidance on VAT

5. We have a GREAT programme for you today that addresses many of the business issues that you face

6. Additional questions to consider include How will providers be able to maintain strong relationships with advisers post RDR? What impact will the new adviser charging models have on product structures and pricing? How can simplified advice be made into a profitable proposition?

7. Dr Peter Williams FCII FPFS providing Independent thinking for the new age Tel: 07712167605 Email: peter@docwilliams.plus.com 7