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Many advisers with already a few grey hairs are admitting that now is a challenge. Not least because both the stockmarkets and the housing market are going through a rough period, which would tax even the most experienced financial adviser.

But also because financial advisers are having to deal with regulatory change as well, just when they need to focus their attention on their day-to-day business.

The FSA’s RDR feedback statement is going to come out next week, and many are wondering how it will affect their future and how IFAs can present themselves to clients and indeed the future of their business.

Opinions range from the cynical, 'it won't affect me' variety, to the plain anxious and concerned.

However, despite much apprehension over whether the FSA will get it right this time, they have shown so far that they are willing to listen.

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