<prompt> Human: Commission-motivated investment advice will be a thing of the past for custodians of IRAs and 401ks, according to new rules issued by the Department of Labor today disrupting a multi-billion dollar revenue stream and protecting unsophisticated consumers. Since tax-sheltered retirement accounts are the biggest part of most workers nest-eggs, this is absolutely huge.  <response>: Note of caution regarding this rule. A lot of brokerage firms will simply elect to have no contact with plan participants, therefore avoiding the fiduciary obligation in the rule. I know a lot of people are going to be happy with this rule and rightfully so, but firms are going to say, screw it and just not pay the money to disclose conflicts and provide fiduciary services. They will simply drop out of the game and let plan participants deal with it by themselves.As financial compliance professional, this rule is wonderful for me. But its created a lot of anxiety in the brokerage world and there are many discussions already on how to bend or interpret the rules. 