Many pension consultants fail to disclose conflicts of interest to their clients and accept undisclosed compensation from money managers and brokerages, according to the results of a U.S. Securities and Exchange Commission study, which were released this morning.

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Yet, Madden says this slack, Birkenstocks-and-sweatshirt style is changing, and his San Francisco clients have begun to accept the value of dressing well.

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Advisors who adopt this approach will find that their clients are ultimately willing to accept some exposure, but to make it palatable I have to deliver it in a framework of consistency.

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If lawyers accept Bitcoin, they must report the income and clients must deduct it.

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