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What does adviser independence mean to the consumer? "An adviser is either Independent of all Institutional and Corporate control or is captive to Institutional and Corporate control. The difference to the consumer can be substantial. If your adviser is controlled by _________________ fill in the blank, then that adviser is offering proprietary financial products of that company. The question is always are those products in your best interest or the best interest of the company offering them. If  the consumer is working with an independent adviser (Safe Money Representative) then the adviser has no proprietary products and is now objectively searching out the best product available to meet your goals". Greg Bodoh, Gregory Bodoh & Associates, Ltd. Warrenton VA 
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