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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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Research

The EU leapfrogs the US on investor protection

By Knut Rostad on April 22, 2019

By Knut A. Rostad and Darren M. Fogarty
MiFID II’s standard raises the transparency bar well above the U.S. SEC’s proposed Regulation BI and Form CRS.

Conventional Wisdom Says a Major Problem is “Investor Confusion” About Brokers and Advisers; Is This the Whole Story?

By Knut Rostad on January 15, 2019

Photo by Joseph Gruenthal on Unsplash

By Knut A. Rostad and Darren M. Fogarty — Investors misunderstand how brokers and advisers differ because the information they get from the industry is unclear or misleading.

Testimony of Tamar Frankel Before the N.J. Bureau of Securities

By Knut Rostad on November 19, 2018

Tamar Frankel

Testimony of Tamar Frankel, LL.M. S.J.D. Professor of Law EmeritaBoston University School of LawBefore the N.J. Bureau of Securities Re: Fiduciary Duty/Pre-Proposal on November 19, 2018

Testimony of Knut A. Rostad before the New Jersey Bureau of Securities

By Knut Rostad on November 19, 2018

Knut A. Rostad

“Proposal Reg BI fails to explain best interest; however, it explains why conflicts can be beneficial” – Knut A. Rostad

Study Offers New Insights and Guidance for Reg BI

By Knut Rostad on November 9, 2018

Darren M. Fogarty

by Knut A. Rostad and Darren M. Fogarty — New insights into retail investor, financial reps misunderstandings of brokers and advisers.

SEC Investor Roundtables Reveal Investors Often Do Not Understand Form CRS

By Darren Fogarty on September 17, 2018

Jay Clayton

The SEC’s own Investor Roundtables clearly demonstrate that not even well-educated professionals can understand Form CRS.

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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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