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<p>Adviser remuneration is regulated by the Financial Conduct Authority (FCA). Through
the Retail Distribution Review (RDR), introduced at the end of 2012, the FCA has taken
a number of steps to ensure that adviser remuneration on retail investment business
is disclosed in advance of any services required. Product providers no longer have
any influence over the remuneration received for advising on investments. Where commission
remains on investments sold prior to the RDR, this will have been disclosed as required
by the rules in force at the time the product was sold.</p>
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