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The Institute for the Fiduciary Standard

A resource site for investors, brokers, academics and the media.


Building a fiduciary culture of honesty, integrity, and expertise.

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Knut's Views

Major Insurer Exposes the Weakness in the CFP Board’s Standards

By Knut Rostad on November 30, 2019

company logo

The Northwestern Mutual disclosure is a case study that underscores that CFPs need greater guidance.

The Role of Fiduciary Duty in the Impeachment Process

By Knut Rostad on October 17, 2019

justice

The recent announcement of impeachment proceedings reminds us of the importance of fiduciary principles.

How Will the CFPB Survive this Crisis?

By Knut Rostad on October 2, 2019

Certified Financial Planner Logo

The Wall Street Journal reported that the CFP Board’s LetsMakeAPlan.org website excluded a lot of negative information about CFPs.

In a Reg BI World, is Fiduciary Differentiation “Dead”?

By Knut Rostad on July 25, 2019

gravestone

Last week Michael Kitces wrote that the fiduciary standard is no longer a viable way for RIAs to differentiate themselves from brokers, in light of Reg BI.

SEC Chairman Clayton Misunderstands His Critics

By Knut Rostad on July 18, 2019

AARP, Consumer Federation of America, Investment Advisers Association, CFA Institute and NASAA

Do these groups, as SEC Chairman Clayton suggests, have a “lack of understanding” of the law?

The Brokerage Industry’s “Muddle” Strategy

By Knut Rostad on July 2, 2019

Broker-dealers-and-SIFMA

July 4 reminds us of how the American experiment started. That stands in startling contrast to the SEC’s experimental standards.

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Dan Moisand

 

Dan Moisand is a nationally recognized fiduciary fee-only financial planner, an Institute Real Fiduciary™ Advisor and Chair-elect of the CFP Board.

The Institute has enshrined the ‘Moisand Rule’ on fiduciary practices. It is basic and is more important today than ever: “You have to avoid conflicts. If I avoid a conflict, I don’t worry about it.”

Watch the video of Moisand speaking here.

Bob Veres

 

Bob Veres is a long term observer of financial planning. His Newsletter, “Inside information” Is a staple of leading planners. In the May edition he writes about fiduciary and the Institute.

"But a much bigger point is that the fiduciary standard—as Knut Rostad of the Institute for the Fiduciary Standard has pointed out—has been determined by the Supreme Court (1963 ruling) to be at the very heart of the Investment Advisers Act of 1940. It is the foundation of what it means to be an RIA registered with the SEC instead of a tipster or a tout."

- Bob Veres, Parting Thoughts ... The SEC's Own Compliance Culture

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