Let’s start the conversation. Advisor/Broker bias can be intentional, inadvertent, subconscious; even due to ignorance or employer indoctrination. With commissioned products the potential bias is obvious, though the broker must still face him/herself each morning! In other words, an advisor or broker is a human being with a conscience and therefore highly likely to be honorable in his/her recommendations. Even so, let’s explore unconscious bias, and employer-focused inadvertent bias. First question: What bias do you think might exist with fee-only Planners?