What a load of poppycock. "help consumers get the high-quality financial advice they need" it is the big end of town getting their snout in there again and making out they are helping the little man. On one hand they say "each member has unique needs" then they put together some one year trained adviser to give them advice from the fund they work for. How can it be unbiased if the salary is paid by the firm NOT the client!! These new laws will take us back 15 years into banks giving advice and some funds just plying their wares under the guise of 'SIMPLE' advice. Wake up!