Quick note. There was a great article in the Wall Street Journal today, I wanted to get it out there.  I’m always explaining the difference to people about what I do vs a broker.  I’m an RIA there is a big difference, this article explains it well.
From WSJ.com:
Steps to make sure you get the best fiduciary advice if the government doesn’t help
http://www.wsj.com/articles/finding-a-fiduciary-how-to-get-the-best-retirement-care-1486722605