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Carl Richards By Carl Richards July 11, I fear the clever marketing in the traditional financial services industry continues to confuse many people. This concern makes me think of the sketch above, which I shared many years ago in a different context. Some expectations of the financial professionals we hire can lead to enormous disappointment, since these particular titles mean nothing.

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No universal standard of care exists that applies to the financial industry as a whole. To understand this point, imagine you go to a Toyota dealership.

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You probably walk in fully expecting the Toyota salesperson to encourage you to buy a Toyota. Go into every financial relationship with your eyes wide open. Demand a frank conversation with any financial professional, minus any jargon, before handing over your money.

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Those in the financial services industry — and I count myself among them — should be embarrassed by the reality behind the clever marketing. And you have every right to be upset.

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Shame on all of us. But now that you know what to expect, do not be surprised if a title does not guarantee you unbiased advice.

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