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Ethics & accountability · Balancing user vs business interest

Your firm's highest-margin product is a structured note with a rich trailing fee, and it technically fits your client's risk profile — but a plain, cheaper fund would serve them just as well. Sales targets are due Friday. What do you recommend, and how do you justify it?

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Best-interest governs, and it isn't satisfied by 'technically suitable' — it's satisfied by what I'd defend to the client's face and to compliance.

The full answer: structure, worked example, likely follow-up.

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