As we continue to dig into the recent DOL ruling and as we continue to provide you with resources to navigate its implications, I wanted to share a few opportunities I see with the change.  As you know, at FIG we are fiercely independent, objective and holistic in our approach to helping you and your clients protect their hard-earned nest eggs.  We feel that the more holistic an advisor can be in making recommendations and solving client issues, the more opportunity for success an advisor may have, but more importantly, the more they become a fiduciary on behalf of their client.  For example, what is more fiduciary than creating a plan to protect a client’s retirement in the event of a long-term care event?  If you haven’t made this recommendation, are you acting in your client’s best interest?  Or, when dealing with clients in higher income tax brackets, if you’re not discussing alternative ways to generate tax-free income to them or their beneficiaries, are you really acting as a fiduciary?  I submit to you that the more holistic your approach is, the better you can navigate the post-DOL era.