Never before has your choice in an Adviser group been so important, or confusing. Whether you are a sole operator, or part of a bigger operation, the new regulatory regime means you and your business will face a multitude of new challenges. We recommend that Advisers that currently have their own clients and operate as a standalone business consider becoming a Financial Advice Provider (FAP). This enables you to control your destiny, potentially maximize revenues, and run your business the way you want to, within the confines of the new regulatory regime. Above all else that means having a proactive