\u7c73\u56fd\u52b4\u50cd\u7701\u304c\u30d5\u30a1\u30a4\u30ca\u30f3\u30b7\u30e3\u30eb\u30a2\u30c9\u30d0\u30a4\u30b6\u30fc\u306b\u95a2\u3057\u3066\u306e\u65b0\u3057\u3044\u30eb\u30fc\u30eb\u3092\u767a\u8868\u3057\u307e\u3057\u305f\u3002\u30ea\u30bf\u30a4\u30e4\u30e1\u30f3\u30c8\u6295\u8cc7\u306b\u3064\u3044\u3066\u306e\u30a2\u30c9\u30d0\u30a4\u30b9\u3092\u884c\u3063\u305f\u308a\u3001\u6295\u8cc7\u5546\u54c1\u3092\u58f2\u308b\u30a2\u30c9\u30d0\u30a4\u30b6\u30fc\u306f\u3001\u9867\u5ba2\u306e\u5229\u76ca\u3092\u81ea\u5206\u306e\u5229\u76ca\u3088\u308a\u512a\u5148\u3055\u305b\u306d\u3070\u306a\u3089\u306a\u3044\u30fb\u30fb\u30fb\u3068\u3044\u3046\u30eb\u30fc\u30eb\u3067\u3059\u3002\u8003\u3048\u3066\u307f\u308c\u3070\u5f53\u7136\u306e\u3053\u3068\u3060\u3068\u601d\u3046\u306e\u3067\u3059\u304c\u3001\u3067\u3082\u3053\u306e\u3088\u3046\u306a\u30eb\u30fc\u30eb\u304c\u4eca\u306b\u306a\u3063\u3066\u308f\u3056\u308f\u3056\u30eb\u30fc\u30eb\u3068\u3057\u3066\u767a\u8868\u3055\u308c\u308b\u3068\u3044\u3046\u3053\u3068\u306f\u3001\u305d\u308c\u304c\u884c\u308f\u308c\u3066\u3053\u306a\u304b\u3063\u305f\u8a3c\u62e0\u3067\u3059\u3002\u300c\u7c21\u5358\u306a\u539f\u7406\u3060\u3002\u30d5\u30a1\u30a4\u30ca\u30f3\u30b7\u30e3\u30eb\u30a2\u30c9\u30d0\u30a4\u30b9\u3092\u63d0\u4f9b\u3059\u308b\u306e\u306a\u3089\u3001\u30af\u30e9\u30a4\u30a2\u30f3\u30c8\u306e\u5229\u76ca\u3092\u512a\u5148\u3055\u305b\u308b\u3053\u3068\u3067\u3042\u308b\u300d\u3068\u3044\u3046\u30aa\u30d0\u30de\u5927\u7d71\u9818\u306e\u8a00\u8449\u304c\u3053\u306e\u30eb\u30fc\u30eb\u306e\u6839\u5e95\u306b\u3042\u308a\u307e\u3059\u3002\u4eca\u65e5\u306f\u3001\u305d\u306e\u30eb\u30fc\u30eb\u306e\u5185\u5bb9\u3068\u6d88\u8cbb\u8005\u3068\u3057\u3066\u3053\u308c\u3092\u3069\u3046\u53d7\u3051\u6b62\u3081\u308b\u304b\u306e\u8a71\u3067\u3059\u3002<\/p>\n
<\/p>\n
\u3053\u306e\u30eb\u30fc\u30eb\u306fFiduciary Rule\u3068\u3082\u547c\u3070\u308c\u3001401(k)\u306a\u3069\u306e\u30b0\u30eb\u30fc\u30d7\u30d7\u30e9\u30f3\u3001Roth IRA\u3084Traditional IRA\u306e\u500b\u4eba\u30d7\u30e9\u30f3\u3001\u52a0\u3048\u3066\u30ea\u30bf\u30a4\u30e4\u30e1\u30f3\u30c8\u76ee\u7684\u3067\u4f7f\u308f\u308c\u308b\u53ef\u80fd\u6027\u3082\u3042\u308bHealth Savings Account\u3092\u542b\u3080\u30ea\u30bf\u30a4\u30e4\u30e1\u30f3\u30c8\u53e3\u5ea7\u306b\u3064\u3044\u3066\u3001\u6295\u8cc7\u30a2\u30c9\u30d0\u30a4\u30b9\u3092\u63d0\u4f9b\u3059\u308b\u30a2\u30c9\u30d0\u30a4\u30b6\u30fc\u3084\u30d6\u30ed\u30fc\u30ab\u30fc\u306f\u3001Fiduciary\u3067\u306a\u3051\u308c\u3070\u306a\u3089\u306a\u3044\u3068\u3057\u3066\u3044\u307e\u3059\u3002Fiduciary\uff1d\u30d5\u30a3\u30c7\u30e5\u30b7\u30a2\u30ea\u30fc\u3068\u3044\u3046\u306e\u306f\u805e\u304d\u306a\u308c\u306a\u3044\u8a00\u8449\u304b\u3082\u3057\u308c\u307e\u305b\u3093\u304c\u3001\u81ea\u5206\u81ea\u8eab\u306e\u5229\u76ca\u3088\u308a\u3082\u9867\u5ba2\u306e\u5229\u76ca\u3092\u512a\u5148\u3055\u305b\u308b\u8005\u3068\u3044\u3046\u610f\u5473\u3067\u3059\u3002\u30d7\u30ed\u30d5\u30a7\u30c3\u30b7\u30e7\u30ca\u30eb\u306a\u30b5\u30fc\u30d3\u30b9\u3092\u63d0\u4f9b\u3059\u308b\u8077\u696d\u3067\u306f\u3001\u305d\u306e\u8077\u696d\u306e\u5c02\u9580\u56e3\u4f53\u306a\u3069\u3067\u305d\u306e\u8077\u696d\u306b\u95a2\u3059\u308bFiduciary Standard\u3068\u3044\u3046\u306e\u3092\u8a2d\u5b9a\u958b\u793a\u3057\u3066\u3044\u308b\u306e\u304c\u5e38\u3067\u3001\u4f8b\u3048\u3070\u3001\u533b\u5e2b\u306f\u60a3\u8005\u306b\u5bfe\u3057\u3066\u3001\u5f01\u8b77\u58eb\u3084CPA\u306f\u305d\u306e\u30af\u30e9\u30a4\u30a2\u30f3\u30c8\u306b\u5bfe\u3057\u3066Fiduciary\u3068\u3057\u3066\u306e\u7fa9\u52d9\u304c\u3042\u308a\u307e\u3059\u3002<\/p>\n
National Association of Personal Financial Advisors (NAPFA)\u3068\u3044\u3046\u56e3\u4f53\u306f\u3001\u30d5\u30a1\u30a4\u30ca\u30f3\u30b7\u30e3\u30eb\u30a2\u30c9\u30d0\u30a4\u30b6\u30fc\u3068\u3057\u3066\u50cd\u304f\u306e\u3067\u3042\u308c\u3070\u3001Certified Financial Planner (CFP)\u3001Certified Public Accountant\/Personal Financial Specialist (CPA\/PFS)\u3001Chartered Financial Consultant (ChFC)\u3001Chartered Financial Analyst (CFA)\u306e\u5c11\u306a\u304f\u3068\u3082\u3069\u308c\u304b\u3072\u3068\u3064\u306e\u8cc7\u683c\u3092\u6301\u3064\u3053\u3068\u3092\u63a8\u5968\u3057\u3066\u3044\u307e\u3059\u3002\u305d\u308c\u305e\u308c\u306e\u8cc7\u683c\u3092\u4fdd\u6301\u3059\u308b\u305f\u3081\u306b\u306f\u305d\u308c\u305e\u308c\u306eFiduciary Standard\u306b\u6e96\u62e0\u3059\u308b\u5fc5\u8981\u304c\u3042\u308a\u307e\u3059\u3002\u307e\u305f\u5dde\u3084SEC\u306b\u3088\u308bRegistered Investment Advisor\uff08RIA\uff09\u3082\u540c\u69d8\u306bFiduciary\u7fa9\u52d9\u304c\u3042\u308a\u307e\u3059\uff08Smart\uff06Responsible\u306fCPA\/PFS\u3001RIA\u306b\u6e96\u62e0\u3057\u3066\u3044\u307e\u3059\uff09\u3002\u3057\u304b\u3057\u306a\u304c\u3089\u3001\u3053\u308c\u3089\u306e\u8cc7\u683c\u3092\u6301\u3063\u3066\u3044\u306a\u3051\u308c\u3070\u30d5\u30a1\u30a4\u30ca\u30f3\u30b7\u30e3\u30eb\u30a2\u30c9\u30d0\u30a4\u30b6\u30fc\u306b\u306a\u308c\u306a\u3044\u304b\u3068\u3044\u3046\u3068\u305d\u3046\u3044\u3046\u308f\u3051\u3067\u306f\u306a\u304f\u3001\u30d5\u30a1\u30a4\u30ca\u30f3\u30b7\u30e3\u30eb\u30a2\u30c9\u30d0\u30a4\u30b6\u30fc\u3068\u3044\u3046\u306e\u306f\u4e00\u822c\u540d\u79f0\u306a\u306e\u3067\u3001\u306a\u3093\u3089\u306a\u304b\u306e\u30a2\u30c9\u30d0\u30a4\u30b9\u3092\u3059\u308b\u7acb\u5834\u306b\u3042\u308c\u3070\u30d5\u30a1\u30a4\u30ca\u30f3\u30b7\u30e3\u30eb\u30a2\u30c9\u30d0\u30a4\u30b6\u30fc\u3068\u540d\u4e57\u3063\u3066\u3082\u5225\u6bb5\u554f\u984c\u3042\u308a\u307e\u305b\u3093\u3002\u8cc7\u683c\u306e\u306a\u3044\u30a2\u30c9\u30d0\u30a4\u30b6\u30fc\u304c\u3059\u3079\u3066\u3072\u3069\u3044\u30a2\u30c9\u30d0\u30a4\u30b6\u30fc\u3068\u3044\u3046\u3053\u3068\u306f\u3042\u308a\u307e\u305b\u3093\u304c\u3001\u305f\u3060\u305d\u306e\u3088\u3046\u306a\u30a2\u30c9\u30d0\u30a4\u30b6\u30fc\u306f\u3053\u308c\u307e\u3067\u306fFiduciary\u3068\u3057\u3066\u306e\u7fa9\u52d9\u306f\u306a\u304b\u3063\u305f\u3068\u3044\u3046\u306e\u304c\u4e8b\u5b9f\u3067\u3059\u3002<\/p>\n
\u65b0\u30eb\u30fc\u30eb\u306b\u3088\u308a\u3001IRA\u306a\u3069\u3092\u542b\u3080\u30ea\u30bf\u30a4\u30e4\u30e1\u30f3\u30c8\u30d7\u30e9\u30f3\u306b\u95a2\u3057\u3066\u3001\u6295\u8cc7\u8cfc\u5165\u3001\u6295\u8cc7\u4fdd\u6301\u3001\u6295\u8cc7\u58f2\u5374\u3001\u6295\u8cc7\u5909\u66f4\u306a\u3069\u306b\u3064\u3044\u3066\u306e\u63d0\u6848\u3092\u884c\u306a\u3063\u305f\u308a\u3001\u6295\u8cc7\u30de\u30cd\u30b8\u30e1\u30f3\u30c8\u306b\u3064\u3044\u3066\u306e\u63d0\u6848\u3092\u884c\u3063\u305f\u308a\u3001\u6295\u8cc7\u67fb\u5b9a\u306a\u3069\u3092\u3057\u305f\u308a\u3059\u308b\u5834\u5408\u3001\u30d5\u30a1\u30a4\u30ca\u30f3\u30b7\u30e3\u30eb\u30d7\u30e9\u30ca\u30fc\u306f\u5168\u54e1\u3001Fiduciary\u3068\u306a\u3089\u306a\u3051\u308c\u3070\u306a\u3089\u306a\u3044\u3068\u3057\u3066\u3044\u307e\u3059\u3002<\/p>\n
<\/p>\n
\u3053\u308c\u307e\u3067\u306f\u6295\u8cc7\u30a2\u30c9\u30d0\u30a4\u30b9\u3092\u884c\u3046\u5834\u5408\u3001\u591a\u304f\u306e\u30a2\u30c9\u30d0\u30a4\u30b6\u30fc\u306fSuitability Standard\u306b\u6e96\u62e0\u3057\u3066\u3044\u308c\u3070\u3088\u3057\u3068\u3055\u308c\u3066\u3044\u307e\u3057\u305f\u3002Suitability\u3068\u3044\u3046\u306e\u306f\u300c\u9069\u5207\u3055\u300d\u3068\u3067\u3082\u8a33\u3057\u307e\u3057\u3087\u3046\u304b\u3001\u305d\u306e\u6295\u8cc7\u304c\u9867\u5ba2\u306b\u3068\u3063\u3066\u300c\u9069\u5207\u300d\u306a\u3082\u306e\u3067\u3042\u308a\u3055\u3048\u3059\u308c\u3070\u3088\u304b\u3063\u305f\u3068\u3044\u3046\u3053\u3068\u3067\u3059\u3002\u3053\u306e\u300c\u9069\u5207\u300d\u306f\u304b\u306a\u308a\u4f59\u88d5\u3092\u6301\u3063\u3066\u7406\u89e3\u3067\u304d\u308b\u8a00\u8449\u3067\u3059\u3002\u305d\u308c\u306a\u308a\u306e\u5229\u56de\u308a\u3092\u751f\u3080\u3060\u308d\u3046\u3068\u4e88\u60f3\u3055\u308c\u308b\u3001\u3067\u3082\u540c\u6642\u306b\u30a2\u30c9\u30d0\u30a4\u30b6\u30fc\u306b\u30bb\u30fc\u30eb\u30b9\u30ed\u30fc\u30c9\u3068\u3057\u3066\u624b\u6570\u6599\u304c\u7a3c\u3052\u308b\u6295\u8cc7\u304c\u300c\u9069\u5207\u300d\u3068\u3057\u3066\u5224\u65ad\u3055\u308c\u3066\u3044\u308b\u3053\u3068\u3082\u3042\u3063\u305f\u3067\u3057\u3087\u3046\u3002\u305f\u3068\u3048\u3070\u3001\u304b\u306a\u308a\u4e00\u822c\u7684\u306a\u682a\u3092\u5e83\u304f\u542b\u3080\u3001\u30dd\u30fc\u30c8\u30d5\u30a9\u30ea\u30aa\u306e\u4e2d\u3067\u3082\u57fa\u672c\u7684\u306a\u5f79\u5272\u3092\u3057\u3081\u308b\u3088\u3046\u306a\u30df\u30e5\u30fc\u30c1\u30e5\u30a2\u30eb\u30d5\u30a1\u30f3\u30c9\u304c\u3042\u3063\u305f\u3068\u3057\u307e\u3059\u3002\u3053\u306e\u3088\u3046\u306a\u57fa\u672c\u7684\u306a\u30d5\u30a1\u30f3\u30c9\u306f\u3069\u3053\u306e\u6295\u8cc7\u4f1a\u793e\u3067\u3082\u63d0\u4f9b\u3057\u3066\u3044\u308b\u3088\u3046\u306a\u30b8\u30a7\u30cd\u30ea\u30c3\u30af\u306a\u3082\u306e\u3067\u3001\u305f\u3068\u3048\u3070\u3042\u308b\u30d5\u30a1\u30f3\u30c9\u3067\u306f\u624b\u6570\u6599\u306f1.2\uff05\u304b\u3082\u3057\u308c\u307e\u305b\u3093\u30021.2\uff05\u306f\u4f4e\u304f\u306f\u306a\u3044\u304c\u3082\u306e\u3059\u3054\u304f\u9ad8\u3044\u3068\u3044\u3046\u3053\u3068\u3082\u306a\u3044\u30ec\u30d9\u30eb\u3067\u3059\u3002\u4ed6\u306e\u4f1a\u793e\u3067\u306f\u540c\u69d8\u306a\u30d5\u30a1\u30f3\u30c9\u304c\u624b\u6570\u65990.12\uff05\u3067\u63d0\u4f9b\u3055\u308c\u3066\u3044\u308b\u304b\u3082\u3057\u308c\u307e\u305b\u3093\u304c\u30011.2\uff05\u306e\u3082\u306e\u304c\u300c\u9069\u5207\u300d\u3067\u306a\u3044\u308f\u3051\u3067\u306f\u306a\u3044\u3068\u3044\u3046\u3053\u3068\u3067\u3059\u3002<\/p>\n
1975\u5e74\u4ee5\u964d\u3001\u30a2\u30e1\u30ea\u30ab\u306e\u30ea\u30bf\u30a4\u30e4\u30e1\u30f3\u30c8\u30d7\u30e9\u30f3\u304c\u78ba\u5b9a\u7d66\u4ed8\u578b\u304b\u3089\u78ba\u5b9a\u62e0\u51fa\u578b\u306b\u79fb\u884c\u3055\u308c\u3066\u304d\u307e\u3057\u305f\u304c\u3001\u305d\u308c\u306b\u4f34\u3044\u6295\u8cc7\u306e\u81ea\u5df1\u8cac\u4efb\u306f\u91cd\u304f\u4e00\u822c\u4eba\u306b\u306e\u3057\u304b\u304b\u3063\u3066\u304d\u305f\u306e\u306b\u3001\u5b89\u4fa1\u3067\u8cea\u306e\u826f\u3044\u9867\u5ba2\u512a\u5148\u306e\u6295\u8cc7\u30a2\u30c9\u30d0\u30a4\u30b9\u3092\u78ba\u4fdd\u3059\u308b\u3057\u304f\u307f\u304c\u306a\u304b\u3063\u305f\u3053\u3068\u306f\u3068\u3066\u3082\u6b8b\u5ff5\u306a\u3053\u3068\u3067\u3059\u3002\u30a6\u30a9\u30fc\u30eb\u30b9\u30c8\u30ea\u30fc\u30c8\u767a\u306e\u30a2\u30e1\u30ea\u30ab\u306e\u91d1\u878d\u696d\u754c\u306f\u3001\u30a2\u30c9\u30d0\u30a4\u30b9\u3092\u53d7\u3051\u308b\u5074\u3067\u306f\u306a\u304f\u3066\u30a2\u30c9\u30d0\u30a4\u30b9\u3092\u3059\u308b\u5074\u306b\u5229\u304c\u3042\u308b\u3088\u3046\u306b\u3064\u304f\u3089\u308c\u3066\u304d\u305f\u306e\u306f\u60b2\u3057\u3044\u3053\u3068\u3067\u3059\u3002\u9867\u5ba2\u306b\u3068\u3063\u3066\u4e00\u756a\u6295\u8cc7\u52b9\u679c\u306e\u9ad8\u3044\u5546\u54c1\u306f\u4f55\u304b\u3068\u3044\u3046\u89b3\u70b9\u3060\u3051\u3067\u306f\u306a\u304f\u3001\u30a2\u30c9\u30d0\u30a4\u30b6\u30fc\u306b\u3068\u3063\u3066\u6700\u3082\u624b\u6570\u6599\u304c\u9ad8\u3044\u5546\u54c1\u306f\u4f55\u304b\u3068\u3044\u3046\u89b3\u70b9\u304c\u3001\u5546\u54c1\u9078\u629e\u306e\u30c7\u30b7\u30b8\u30e7\u30f3\u30e1\u30a4\u30ad\u30f3\u30b0\u3092\u5f71\u97ff\u3057\u3066\u3044\u305f\u3053\u3068\u306f\u5426\u3081\u306a\u3044\u4e8b\u5b9f\u3067\u3059\u3002<\/p>\n
White House Council of Economic Advisers\u306e\u8abf\u3079\u306b\u3088\u308b\u3068\u3001\u3053\u306e\u3088\u3046\u306a\u5229\u5bb3\u306e\u5bfe\u7acb\u306b\u3088\u308b\u9867\u5ba2\u306e\u640d\u5931\u306f\u5e73\u5747\u7684\u306b\u5e74\u9593\u6295\u8cc7\u6b8b\u9ad8\u306e\uff11\uff05\u3092\u5360\u3081\u308b\u3068\u4e88\u60f3\u3055\u308c\u3001\u5f71\u97ff\u3092\u53d7\u3051\u305f\u9867\u5ba2\u5168\u4f53\u306e\u53d7\u3051\u305f\u640d\u5931\u306f\u5e74\u9593\u7dcf\u984d$17\u30d3\u30ea\u30aa\u30f3\u306b\u4e0a\u308b\u3068\u3057\u3066\u3044\u307e\u3059\u3002<\/p>\n
\u3068\u304f\u306b401(k)\u30d7\u30e9\u30f3\u304b\u3089\u306eIRA\u3078\u306e\u30ed\u30fc\u30eb\u30aa\u30fc\u30d0\u30fc\u306f\u5927\u304d\u306a\u554f\u984c\u3067\u3057\u305f\u3002\u30bb\u30fc\u30eb\u30b9\u30ed\u30fc\u30c9\u306a\u3069\u306e\u8ca9\u58f2\u624b\u6570\u6599\u306f\u3001\u6295\u8cc7\u3092\u58f2\u308b\u3068\u304d\u306b\u307e\u3068\u3081\u3066\u5165\u308b\u3053\u3068\u304c\u591a\u3044\u306e\u3067\u3001\u9867\u5ba2\u306e\u96e2\u8077\u306b\u3068\u3082\u306a\u3044\u3001\u305d\u308c\u307e\u3067\u306e401(k)\u306e\u6b8b\u9ad8\u3092\u307e\u3068\u3081\u3066IRA\u306b\u30ed\u30fc\u30eb\u30aa\u30fc\u30d0\u30fc\u3055\u305b\u308b\u3053\u3068\u3067\u3001\u307e\u3068\u307e\u3063\u305f\u91d1\u984d\u306e\u6295\u8cc7\u3092\u8ca9\u58f2\u3057\u5927\u304d\u306a\u624b\u6570\u6599\u3092\u7a3c\u3050\u3068\u3044\u3046\u65b9\u6cd5\u306f\u6a2a\u884c\u3057\u3066\u3044\u307e\u3057\u305f\u3002<\/p>\n
<\/p>\n
\u30eb\u30fc\u30eb\u306b\u306f\u7d30\u304b\u3044\u898f\u5b9a\u6761\u9805\u304c\u3042\u308a\u307e\u3059\u304c\u3001\u591a\u304f\u306f2017\u5e744\u6708\u306b\u6709\u52b9\u5316\u3001\u305d\u308c\u4ee5\u964d2018\u307e\u3067\u6709\u52b9\u306b\u306a\u3089\u306a\u3044\u3082\u306e\u3082\u3042\u308a\u307e\u3059\u3002\u30a2\u30c9\u30d0\u30a4\u30b6\u30fc\u306f\u3053\u308c\u304b\u3089\u65b0\u30eb\u30fc\u30eb\u306b\u5bfe\u5fdc\u3059\u308b\u305f\u3081\u306e\u4f53\u5236\u3065\u304f\u308a\u3001\u958b\u793a\u5236\u5ea6\u3001\u5951\u7d04\u5909\u66f4\u306a\u3069\u306e\u6e96\u5099\u3092\u6574\u3048\u308b\u3053\u3068\u306b\u306a\u308a\u30012018\u5e74\u4ee5\u964d\u306f\u30d5\u30eb\u65bd\u884c\u3068\u306a\u308a\u307e\u3059\u3002<\/p>\n
\u500b\u4eba\u306b\u5bfe\u3057\u3066\u672c\u6765\u3067\u3042\u308c\u3070\u5fc5\u8981\u306a\u304b\u3063\u305f\u624b\u6570\u6599\u304c\u306a\u304f\u306a\u308b\u3053\u3068\u3067\u3001IRA\u6295\u8cc7\u5bb6\u3092\u4e2d\u5fc3\u306b\u4eca\u5f8c10\u5e74\u9593\u3067\u7dcf\u984d$40\u30d3\u30ea\u30aa\u30f3\u304c\u3001\u500b\u4eba\u6295\u8cc7\u5bb6\u306b\u3068\u3063\u3066\u7bc0\u7d04\u3068\u306a\u308b\u3068\u767a\u8868\u3055\u308c\u3066\u3044\u307e\u3059\u3002<\/p>\n
\u305f\u3060\u3057\u3001\u30bb\u30fc\u30eb\u30b9\u30ed\u30fc\u30c9\u3084\u305d\u306e\u4ed6\u306e\u624b\u6570\u6599\u304c\u4eca\u5f8c\u6d88\u3048\u3066\u306a\u304f\u306a\u308b\u308f\u3051\u3067\u306f\u306a\u304f\u3001\u3053\u308c\u3089\u306f\u8a31\u5bb9\u3055\u308c\u7d9a\u3051\u307e\u3059\u3002\u305f\u3060\u3001\u4eca\u5f8c\u306fFiduciary\u3067\u3042\u308b\u30a2\u30c9\u30d0\u30a4\u30b6\u30fc\u304c\u3001\u81ea\u5206\u306e\u5229\u76ca\u3092\u9867\u5ba2\u306e\u5229\u76ca\u3088\u308a\u512a\u5148\u3055\u305b\u308b\u3088\u3046\u306a\u3001\u3064\u307e\u308a\u5229\u5bb3\u306e\u5bfe\u7acb\u306e\u53ef\u80fd\u6027\u304c\u3042\u308b\u5f62\u3067\u306e\u624b\u6570\u6599\u3092\u5fb4\u53ce\u3059\u308b\u3053\u3068\u306f\u9055\u6cd5\u3068\u306a\u308a\u307e\u3059\u3002\u3053\u306e\u30eb\u30fc\u30eb\u306e\u4e0b\u3067\u306f\u3001\u9867\u5ba2\u304cBest Interest Contract (BIC)\u306b\u540c\u610f\u3057\u30b5\u30a4\u30f3\u3059\u308b\u9650\u308a\u306b\u304a\u3044\u3066\u306f\u3001\u5229\u5bb3\u306e\u5bfe\u7acb\u306e\u554f\u984c\u306f\u89e3\u6d88\u3055\u308c\u3001\u30a2\u30c9\u30d0\u30a4\u30b6\u30fc\u304c\u9867\u5ba2\u306b\u3068\u3063\u3066\u306eBest Interest(\u6700\u5584)\u306e\u7acb\u5834\u3092\u512a\u5148\u3057\u3066\u3044\u308b\u3068\u307f\u306a\u3055\u308c\u308b\u3053\u3068\u306b\u306a\u308a\u307e\u3059\u3002\u3053\u306eBIC\u5951\u7d04\u3092\u3068\u308a\u3064\u3051\u308b\u3053\u3068\u3067\u3001\u30a2\u30c9\u30d0\u30a4\u30b6\u30fc\u306f\u73fe\u884c\u306e\u3088\u3046\u306a\u624b\u6570\u6599\u5236\u5ea6\u3092\u5f15\u304d\u7d9a\u304d\u8ab2\u3057\u7d9a\u3051\u3066\u304f\u308b\u53ef\u80fd\u6027\u304c\u3042\u308a\u307e\u3059\u3002\u30a2\u30c9\u30d0\u30a4\u30b6\u30fc\u306f\u3069\u306e\u3088\u3046\u306a\u624b\u6570\u6599\u4f53\u7cfb\u3067\u30c1\u30e3\u30fc\u30b8\u3092\u3059\u308b\u306e\u304b\u3092\u7d30\u304b\u306b\u958b\u793a\u3059\u308b\u7fa9\u52d9\u304c\u3042\u308a\u307e\u3059\u3002BIC\u306b\u30b5\u30a4\u30f3\u3092\u3059\u308b\u3068\u3044\u3046\u3053\u3068\u306f\u3001\u624b\u6570\u6599\u30b7\u30b9\u30c6\u30e0\u306e\u5185\u5bb9\u3092\u7406\u89e3\u3057\u3001\u540c\u610f\u3059\u308b\u3068\u3044\u3046\u3053\u3068\u306a\u306e\u3067\u3001\u3088\u304f\u7406\u89e3\u306e\u4e0a\u30b5\u30a4\u30f3\u3059\u308b\u3088\u3046\u306b\u3057\u307e\u3059\u3002<\/p>\n
<\/p>\n
\u30ea\u30bf\u30a4\u30e4\u30e1\u30f3\u30c8\u6295\u8cc7\u306b\u3064\u3044\u3066\u306e\u30a2\u30c9\u30d0\u30a4\u30b9\u3092\u53d7\u3051\u308b\u5834\u5408\u3001\u30a2\u30c9\u30d0\u30a4\u30b6\u30fc\u304cFiduciary\u3067\u3042\u308b\u3068\u3044\u3046\u3053\u3068\u306f\u5b89\u5fc3\u3067\u306f\u3042\u308a\u307e\u3059\u3002\u4eca\u307e\u3067\u306f\u898b\u3048\u306b\u304f\u304b\u3063\u305f\u624b\u6570\u6599\u304c\u3088\u308a\u9732\u51fa\u3055\u308c\u308b\u3053\u3068\u306b\u306a\u308a\u3001\u3088\u308a\u624b\u6570\u6599\u306e\u4f4e\u3044\u9867\u5ba2\u306b\u3068\u3063\u3066\u6700\u9069\u306a\u6295\u8cc7\u3078\u3068\u79fb\u884c\u304c\u9032\u3080\u3067\u3057\u3087\u3046\u3002<\/p>\n
\u3057\u304b\u3057\u306a\u304c\u3089\u3001\u3060\u304b\u3089\u3068\u3044\u3063\u3066\u81ea\u5206\u3067\u306f\u3088\u304f\u7406\u89e3\u3057\u306a\u3044\u307e\u307e\u3001\u4eba\u306e\u52e7\u3081\u308b\u6295\u8cc7\u3092\u8cb7\u3046\u3068\u3044\u3046\u306e\u306f\u5f15\u304d\u7d9a\u304d\u3088\u3044\u3084\u308a\u65b9\u3067\u306f\u3042\u308a\u307e\u305b\u3093\u3002\u524d\u8ff0\u306eBIC\u306b\u30b5\u30a4\u30f3\u3092\u3059\u308b\u3053\u3068\u3092\u6c42\u3081\u3089\u308c\u305f\u306a\u3089\u306a\u304a\u306e\u3053\u3068\u3067\u3059\u3002\u958b\u793a\u3055\u308c\u305f\u60c5\u5831\u306f\u9762\u5012\u3067\u3082\u76ee\u3092\u901a\u3059\u3053\u3068\u3001\u308f\u304b\u3089\u306a\u3044\u3082\u306e\u306b\u306f\u30b5\u30a4\u30f3\u3057\u306a\u3044\u3053\u3068\u3067\u3059\u3002\u8907\u96d1\u306a\u3082\u306e\u3001\u7406\u89e3\u306e\u56f0\u96e3\u306a\u3082\u306e\u307b\u3069\u3001\u672c\u5f53\u306f\u7406\u89e3\u3057\u305f\u307b\u3046\u304c\u3088\u3044\u60c5\u5831\u3092\u96a0\u3057\u3066\u3044\u308b\u3053\u3068\u306f\u91d1\u878d\u696d\u754c\u3067\u306f\u3088\u304f\u3042\u308b\u3053\u3068\u3067\u3001\u3053\u306e\u50be\u5411\u306f\u65b0\u30eb\u30fc\u30eb\u304c\u65bd\u884c\u3055\u308c\u305f\u5f8c\u3082\u6839\u5e95\u306b\u306f\u6b8b\u308b\u3067\u3057\u3087\u3046\u3002\u81ea\u5206\u306e\u3053\u3068\u306f\u81ea\u5206\u3067\u5b88\u3089\u306d\u3070\u306a\u3089\u306a\u3044\u306e\u304c\u30a2\u30e1\u30ea\u30ab\u3067\u3042\u308b\u3053\u3068\u306b\u306f\u5909\u308f\u308a\u307e\u305b\u3093\u3002<\/p>\n
\u30eb\u30fc\u30eb\u3078\u306e\u6e96\u62e0\u3001\u60c5\u5831\u958b\u793a\u3001\u8a18\u9332\u4fdd\u5b58\u306a\u3069\u306b\u30b3\u30b9\u30c8\u304c\u304b\u304b\u308a\u3001\u3053\u306e\u305f\u3081\u3053\u308c\u3092\u6d88\u8cbb\u8005\u3078\u8ee2\u5ac1\u3057\u3066\u304f\u308b\u91d1\u878d\u6a5f\u95a2\u3082\u3042\u308b\u3068\u601d\u3044\u307e\u3059\u3002\u30bb\u30fc\u30eb\u30b9\u30ed\u30fc\u30c9\u306a\u3069\u306e\u8ca9\u58f2\u624b\u6570\u6599\u306f\u6e1b\u3063\u3066\u3082\u3001\u5e74\u9593\u306e\u7ba1\u7406\u8cbb\u306a\u3069\u3068\u3044\u3046\u5f62\u3067\u624b\u6570\u6599\u304c\u5897\u3048\u308b\u3068\u3044\u3046\u3053\u3068\u3082\u3042\u308b\u304b\u3082\u3057\u308c\u307e\u305b\u3093\u3002\u305d\u3046\u3044\u3046\u610f\u5473\u3067\u306f\u5168\u4f53\u7684\u306b\u8ab2\u305b\u3089\u308c\u3066\u3044\u308b\u624b\u6570\u6599\u306b\u306f\u5f15\u304d\u7d9a\u304d\u654f\u611f\u3067\u3044\u308b\u3053\u3068\u304c\u5fc5\u8981\u3060\u3068\u601d\u3044\u307e\u3059\u3002<\/p>\n
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\u591a\u304b\u308c\u5c11\u306a\u304b\u308c\u3053\u306eFiduciary\u3068\u3044\u3046\u306e\u306f\u30ad\u30fc\u30ef\u30fc\u30c9\u306b\u306a\u308a\u307e\u3059\u304b\u3089\u3001\u3053\u308c\u304b\u3089\u91d1\u878d\u306e\u30a2\u30c9\u30d0\u30a4\u30b9\u3092\u53d7\u3051\u305f\u308a\u3001\u5546\u54c1\u3092\u8cb7\u3063\u305f\u308a\u3059\u308b\u3068\u304d\u306b\u306f\u3001\u201cAre you acting under the fiduciary standard\uff1f If so, can I have that in writing?\u201d\u3068\u805e\u304f\u3068\u3088\u3044\u3068\u601d\u3044\u307e\u3059\u3002Fiduciary\u3067\u306a\u3044\u5834\u5408\u3082\u591a\u3044\u304b\u3082\u3057\u308c\u307e\u305b\u3093\u304c\u3001\u305d\u306e\u5834\u5408\u3082\u3001\u76f8\u624b\u306b\u826f\u3044\u610f\u5473\u3067\u306e\u5371\u6a5f\u611f\u3092\u4e0e\u3048\u308b\u304d\u3063\u304b\u3051\u306b\u306a\u308b\u3068\u601d\u3044\u307e\u3059\u3002<\/p>\n
*2017\u5e746\u6708\u306b\u90e8\u5206\u7684\u306a\u5c0e\u5165\u306f\u307f\u305f\u3082\u306e\u306e\u3001\u5b8c\u5168\u306a\u65bd\u884c\u306f\u3001\u5ea6\u91cd\u306a\u308b\u9045\u5ef6\u30672019\u5e747\u67081\u65e5\u307e\u3067\u5ef6\u671f\u3002\u5b8c\u5168\u65bd\u884c\u3092\u524d\u306b\u30012018\u5e746\u670821\u65e5\u306b\u306f\u00a0U.S. 5th Circuit Court of Appeals \u304c\u3053\u306e\u30eb\u30fc\u30eb\u3092\u53d6\u308a\u6d88\u3057\u3068\u3057\u3066\u3044\u307e\u3059\u3002<\/p>\n","protected":false},"excerpt":{"rendered":"
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