Although 2013 will be a pivotal year in wealth management as RDR rulings are put in place on 1 January, the past 12 months have also been extremely busy as firms tighten up their business models to meet the deadline.
After a strong year for most asset markets in 2012, many commentators are pointing to a much leaner year in 2013.
Investment Week rounds up the most memorable quotes from our favourite (and most outspoken) industry commentators throughout 2012.