Much of the Dodd-Frank Financial Reform Legislation passed by Congress is broad-brush painting with the critical details to be contained in regulations created by the Securities and Exchange Commission. For investors, one of the most important of these regulations will determine whether brokers will be held to a fiduciary duty standard, and ? most importantly ? what the scope of that standard will be. As Bloomberg recently reported, the SEC has received about 2,700 comments on the fiduciary standard, and its report is due to Congress in January (“Insurance Agents Ask U.S. Regulators: Don’t Make Us Put Our Clients First,” September 2, 2010).