With every recommendation, consideration and action, the financial advisor who solicits you for new business, or the advisor you're already working with, makes a conscious decision between two alternatives: 1) put your needs and interests first, or 2) put their own interests first - often at your expense. Rules and regulations do not guide their decision. It's guided by personal integrity, or by the absence of this trait. For some financial advisors, their work is their calling. These advisors are guided by a deep rudder called "integrity." As a matter of course they put the needs and...