The figures come from the latest Aviva Adviser Barometer which questioned 250 advisers.

Only nine per cent said they were considering offering restricted advice.

Some 48 per cent of advisers have decided on which type of trading model they will operate but 52 per cent of people remained undecided.

Half of advisers say they would like more help from the FSA to prepare for RDR and 60 per cent say they need more support.

Networks and product providers were cited as being the best source for help and support.

Segmenting clients was another concern with 62 per cent adopting different levels of service for different clients. Some 28 per cent said they intended to refer clients to other firms as they were cutting back in the areas they advise on.

Andy Beswick, intermediary director at Aviva, said: “The fact that almost half of advisers have already decided on the trading model they intend to operate post-RDR shows that intermediaries are making the big decisions.”

He added: “With 43 per cent of advisers saying they would like more help to prepare for RDR, there is clearly a need for further support. We are proud that product providers have been a useful resource for advisers and are committed to providing the practical guidance and technical support advisers need to make this important transition.”