Brass Tacks - John Lappin interviews, brought to you by Space01 Space01

In this in-depth interview Bright Grey and Scottish Provident managing director Roger Edwards talks to financial journalist John Lappin about the challenges facing the protection market from the gender directive, the i minus e changes and the big shake up in financial advice and ponders future developments in critical illness and income protection insurance.

With the Retail Distribution Review only months away, in the first of a series of interviews, financial journalist John Lappin talks to Aegon's head of regulatory strategy Steven Cameron to get his thoughts on the RDR and what Independent Financial Advisers should be considering as they finalise their plans for next year.

The way in which the public pay for financial advice for is changing from the start of next year as part of a far-reaching reform known as the Retail Distribution Review or RDR. The UK's financial watchdog, the Financial Services Authority has decided that financial advisers have to change the way they charge for their services. Rather than receive commission from a fund manager or pension company they must now agree their charges with you, the client, under a system known as adviser charging. The watchdog has also increased the qualifications advisers must obtain before they are able to practice. The new system comes into to force on at the start of January. If you have an IFA or financial adviser already or are planning to consult one about your financial planning needs in the near future, it may have implications for you. In this podcast interview financial journalist John Lappin talks to pension firm Aegon UK’s RDR expert Steven Cameron about the reform and what it may mean for you