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The article below from the Wall Street Journal tells a story that is far more common than you can imagine. It illustrates the difference between a fiduciary and a broker. Make sure you know the difference when you hire an advisor. Do they work directly for you, and are they held to the highest standard of the law to do what is right, as we are? Or do they work for a company, where they are beholden to managers, selling quotas, contracts, and stock holders? If you want to know more about the difference, and how it affects you, just …