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The financial advice industry is in a state of alarm because a key ground rule is changing that will affect many parts of the business.

Sometime later this spring, the Department of Labor is expected to implement a requirement that those who provide advice to holders of retirement accounts — whether a 401(k) or similar plan through an employer, or an Individual Retirement Account or Keogh plan — be fiduciaries. This means that the advisor must provide impartial advice in their client’s best interest and cannot accept any payment that creates a conflict of interest.

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