Third, a little more on conflicts avoidance because it is so important when it comes to financial advisory work.  Many financial advisors have conflicts of interest with their clients and do not even believe they owe their clients a fiduciary duty.  Technically, broker dealers sit on the other side of the table from their clients because they are getting paid to sell a security to clients and do not necessarily approach their decisions with a mind of having a fiduciary duty to their clients.  As an attorney and an investment advisor, I’m on same side of the transaction with my client.  That’s why I decided not to pursue a broker dealer license but to get licensed as an investment advisor; it fits perfectly with my professional career, my belief system, and my fiduciary duties to my clients as a lawyer.