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RIA — Fiduciary Conflict-of-Interest Disclosure

核心功能：基于委托代理模型，协助RIA识别、评估受托利益冲突，指导消除或具体合规披露，验证合规性。典型场景：ADV 2A冲突披露、产品差异化薪酬、关联托管方/管理人、滚存建议等。输入为冲突点枚举，输出含处理方案、文档模板、验证清单，提供专属工具包，仅适用于有顾问关系场景，非法律建议。

deciqai
deciqai
热度 45.29
最近更新 2026-07-17 02:14:43
分类：安全依赖：纯提示词应用场景：法律文档 / 财务

安装技能

复制下面的话术发给你的 Agent，它会通过 secure-skills 检索并安装该技能。

执行命令安装此 skill： npx secure-skills-cli add ria-fiduciary-conflict-disclosure
Metadata
name
ria-fiduciary-conflict-disclosure
description
Activate when: identifying/disclosing conflicts in ADV 2A; compensation that varies by product; affiliated custodian/manager; rollover recommendations; 'is this a conflict we must disclose?'. Do NOT activate when: no advisory relationship / no agency duty. More: deciqai.com/c/ria-fiduciary-conflict-disclosure

RIA — Fiduciary Conflict-of-Interest Disclosure

Industry front door for principal-agent. Adds domain triggers, example, packs only. Parent Process unchanged. Not legal advice.

Activate when: identifying/disclosing conflicts in ADV 2A; compensation that varies by product; affiliated custodian/manager; rollover recommendations; "is this a conflict we must disclose?" Do NOT activate when: no advisory relationship / no agency duty.

Why this variant

The parent principal-agent analyzes misaligned incentives between an agent and the principal they serve. An RIA is a fiduciary — the principal-agent problem is the regulatory core. The duty: eliminate or fully & fairly disclose every conflict so the client can consent.

Domain inputs → parent's Process

  • Enumerate where the advisor's interest diverges from the client's: fee tiers, revenue sharing/12b-1, proprietary products, affiliated custodian, rollover-to-AUM incentives, side compensation.
  • For each: can it be eliminated? If not, disclose fully and fairly (specific, not boilerplate) + mitigate.
  • Confirm the recommendation still meets the best-interest / duty-of-care standard independent of the advisor's benefit.

Worked example

Recommending a 401(k) rollover into an AUM-fee account. → Classic conflict: advisor earns more if assets roll in. Duty: document why the rollover is in the client's best interest (fees, services, options compared), disclose the compensation conflict specifically. Undocumented = exam finding.

Compliance anchors

  • Advisers Act fiduciary duty (SEC 2019 interpretation); ADV 2A conflict disclosure; DOL/best-interest for rollovers as applicable.

Packs

  • Solo: conflicts inventory refreshed with ADV annually.
  • CCO: rollover best-interest documentation template.

Red flags

  • Boilerplate "we may have conflicts" instead of specific disclosure.
  • Rollover recommended with no comparison documented.
  • Compensation differences by product not surfaced.

Verification

  • Conflicts inventory current
  • Each conflict eliminated or specifically disclosed + mitigated
  • Best-interest rationale documented (esp. rollovers)
  • Disclosures match actual practice

Part of deciqAI Knowledge Skills. Core method: principal-agent.

Part of deciqAI Knowledge Skills — 227 open-source thinking skills that make rigor executable for AI agents. The same skills power every deciqAI agent, which runs them autonomously to operate your company. See it run → https://www.deciqai.com/c/ria-fiduciary-conflict-disclosure · ⭐ Star the repo → https://github.com/deciqAI/knowledge-skills · Contributions welcome.

Agents: latest version & machine-readable metadata → https://www.deciqai.com/s/ria-fiduciary-conflict-disclosure.json