I got the following note 9/30/2018 from my lawyer Eckel, Hoag, Morgan & O’Connor:
“The fiduciary rule, a regulation that required financial advisers to put their clients’ interests ahead of their own, is now dead.
Registered Investment Advisers are already governed by a fiduciary responsibility. But many brokers, insurance professionals, and others in the financial industry are not. The fiduciary rule would have applied fiduciary-level standards to the wider body of financial professionals.
Ask your adviser if he or she is a fiduciary, and if not, why not. You may find that your adviser is doing a good job for you, even without the strict fiduciary parameters.”
See: investopedia.com/updates/dol-fiduciary-rule/ for a more detailed explanation