<prompt> Human: My financial advisor from a well known financial institution has sent me the following email because I havent had a conversation with him in probably 3 years and manage things on my own. Is this legal or is it all B.S.?If we are not able to meet and have some specific conversations by the end of the year, then, starting, January 1, your accounts will be locked. I will not be able to help you with few exceptions. This is due to the fiduciary standards that are in place now. If necessary, you will receive a letter in January explaining the escalation process that concludes with the liquidation of your accounts by the end of 2018. I would rather not see your accounts impacted this way.Thanks  <response>: The IIROC requires a suitability review to ensure that your advisor documents that there has been a conversation.Even if there havent been material changes, you should meet for a review.If there hasnt been a discussion around your investment objectives the firm they work for may suspend trading until this check is done. 