── ── Industry
RIA — Fiduciary Conflict-of-Interest Disclosure
The parent principal-agent analyzes misaligned incentives between an agent and the principal they serve. An RIA is a fiduciary — the principal-agent problem is the regulatory core. The duty: eliminate or fully & fairly disclose every conflict so the client can consent.
Run RIA — Fiduciary Conflict-of-Interest Disclosure on a real problem
Bring something you're actually deciding — free, in the browser.
How it works
- Enumerate where the advisor's interest diverges from the client's: fee tiers, revenue sharing/12b-1, proprietary products, affiliated custodian, rollover-to-AUM incentives, side compensation. - For each: can it be eliminated? If not, disclose fully and fairly (specific, not boilerplate) + mitigate. - Confirm the recommendation still meets the best-interest / duty-of-care standard independent of the advisor's benefit.
When to use it
- identifying/disclosing conflicts in ADV 2A
- compensation that varies by product
- affiliated custodian/manager
- rollover recommendations
- 'is this a conflict we must disclose?'
When not to use it
no advisory relationship / no agency duty.
Worked example
RIA — Fiduciary Conflict-of-Interest Disclosure
The parent principal-agent analyzes misaligned incentives between an agent and the principal they serve. An RIA is a fiduciary — the principal-agent problem is the regulatory core. The duty: eliminate or fully & fairly disclose every conflict so the client can consent.
Install this skill (free, MIT)
npx skills add deciqAI/knowledge-skillsUseful? Star the repo — stars help other builders find it.
Related mental models
The parent expected-value-and-kelly sizes repeated positive-edge bets to maximize long-run growth without ruin.
The parent second-order-thinking traces "and then what?" across time and parties.
The parent checklist turns fuzzy "did we cover everything" into a verifiable gate.
The parent premortem runs the clock forward to a failure and works backward.