Unlike a registered investment adviser, a broker that provides recommendations is not bound by a fiduciary duty but instead has a general obligation to act in the best interest of a retail customer. A retail investor should request a copy of a broker’s Client Relationship Summary (Form CRS) to learn about its services, fees, and conflicts. Samalin Wealth’s Form CRS is available here . It’s then up to you to decide if the relationship is in your best interest. Be sure to read the fine print!