Those that read my recent post on, amongst other things, the Retail Distribution Review (RDR) (see this link for more detail https://www.jelfgroup.com/blog/?p=79) may be interested to see this related article in this months Corporate Adviser magazine. Although this is very much focused on the pensions industry (rather than the employer which I think is more important), it may still give you a good feel for some of the issues.
The link is: https://www.moneymarketing.co.uk/channels/corporate-adviser/special-reports/-advice-freeze/1022652.article
As I have mentioned before, this is a really important issue for many employers, so well worth reading up on before you take any action I would think. Happy reading.
Best regards
Steve

Now I feel stuipd. That’s cleared it up for me