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When you sit down with a financial adviser, you should have a clear idea who you are dealing with and what their relationship is with any supplier of financial products, be they life or short-term insurance policies or investments. This information enables you to assess whether the advice you will get have any limitations to it before you act on it.

That is what the Financial Sector Conduct Authority (FSCA) said at the outset of its review of financial advice and the way in which we are sold financial products...

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