Following the Retail Distribution Implementation Program report issued by the FSA 25^th June 2009 it is clear that by 2012 the landscape for financial advice will be totally different. Advisers must look at all types of investment not just traditional offerings and because they will be charging the same fees regardless of whether they are taken from the investment or paid up front they will have the freedom to do this. Once ‘Adviser Charging’ takes hold clients can be offered absolutely anything. There is nothing in the rule book to say that they have to recommend regulated products. This opens the door to more imaginative offerings and advisers would do well to expand their range of options. There are now packaged hard asset investments where fees can be offset including many that offer an ethical dimension. AIFA recently commented that green and ethical investments are likely to become popular. Certainly investors are often looking for an altruistic angle when deciding what to do with their money. New green and socially beneficial investments are available now and are likely to become an important new option, advisers would do well to seek these out and understand them well. These could be a useful tool in attracting investors to independent advisers.