.....And while we're on the topic of ethics: Fiduciaries are required by law to put your interest before their own.. In addition to that, a subset of fiduciary firms are fee-only, which means they don't sell any products or services beyond their relationship with you as a fiduciary in all parts of their business. The word fiduciary gets used incorrectly all the time, but a true fiduciary has very few conflicts of interest, with all decisions made in the client's best interest. For me, these two criteria - being a CFP and a fiduciary - should be non-negotiable when choosing an advisor.....