The only problem is that if you are not careful, you might create a fiduciary relationship.

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Capital Gains Research Bureau, 375 U.S. 180, 195 (1963), the Investment Advisors Act was meant to safeguard the fiduciary relationship between the advisor and the investor.

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Gregory Sarian, who founded the group in 1997, joined Merrill in 1993 and attributes the move to Hightower to the fiduciary relationship his team can now offer clients.

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Bankers were also more obligated in the past towards their fiduciary duty - a relationship of trust - with clients, say former bankers.

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Ask them to declare whether they view their relationship with you as a fiduciary , and if not, why not.

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