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Oversight of investment advisers has been the subject of a long-running discussion in Washington. Registered investment advisers are regulated by the U.S. Securities and Exchange Commission or states and act as fiduciaries, or in clients' best interests. Securities brokers are regulated by Wall Street's self-watchdog, the Financial Industry Regulatory Authority, and must sell investments that are "suitable" - not best - based on factors such as a client's age and risk tolerance.
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