A guide to how consumers will soon be charged for independent financial advice has been published by the Financial Services Authority (FSA). Under the changes, from the start of 2013, financial advisers will have to agree a fee with their clients. Payment via commission from financial services companies will be banned. Advisers will also have to state if they are genuinely independent, or restricted to selling the policies of particular financial groups. The reforms, part of what is called the Retail Distribution Review, were first proposed by the FSA back in early 2010.....Read more here: BBC News - FSA publishes guide to financial advice charges