Tony Robbins recommends this short video clip in his new book, Money: Master The Game. This is a great explanation of the difference between brokers and financial fiduciaries. Most brokers call themselves "financial advisors" or "financial planners," but less than 10% of them are actually fiduciaries. Robbins advocates for using an Independent Fee-Only Fiduciary in order to protect investors from deceptive sales practices. This clip gives a nice break down of why.