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Next April, barring last-minute moves by Congress, anyone who provides advice to a retirement account regulated by the Department of Labor – an IRA, Roth IRA, 401(k) plan and similar qualified plans – will be required to be a fiduciary.

Essentially, it means that the people formerly known as stockbrokers and now known as financial advisors, financial consultants, investment specialists or any other term for the “guy” (male or female) who works for a financial company and oversees your account, has to put your interests above all else.

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