Moral Obligations

Table of Contents

 

Our Debt

Page 4

Defining Morality

Page 4

Staying on the Path

Page 5

What Are Moral Obligations?

Page 6

Legal Issues

Page 7

Professional Ethics

Page 9

State Mandated Ethics

Page 10

    Principles Versus Rules

Page 12

Meeting Educational Requirements

Page 12

Preventing Public Harm        

Page 15

    Integrity

Page 15

    Objectivity

Page 16

    Competence

Page 16

    Fairness

Page 18

    Confidentiality

Page 18

    Professionalism

Page 18

    Diligence

Page 18

    CFP Case Law

Page 19

        Falsely Stating Education

Page 19

        Churning Policies

Page 19

        Inappropriate Sale

Page 20

        Conflict of Interest

Page 20

Express and Ostensible Authority

Page 20

    Where Your Allegiance is Legally based

Page 20

Ethics & Risk Control

Page 22

Agent Liability

Page 22

    Company Insolvencies

Page 22

    Third Party Liability

Page 23

    Hidden Costs of Litigation

Page 23

    Documenting Procedures for Self-Protection

Page 23

    Imposed by Law: Promise of Good Faith

Page 24

Professionally Moral

Page 25

Morality Made Simple

Page 26

    Honesty – A Moral & Legal Obligation

Page 26

    Policy Replacement

Page 27

Corporate Ethics

Page 30

Conducting Business – A Moral Concern

Page 31

Enron Relied on Appropriate Accounting

Page 32

A Personal Choice

Page 33

The Exceptional Man

Page 34

“My Dog Ate My Homework.”

Page 34

Taking the Moral Path

Page 36

Understanding Our Moral Origins

Page 37

Individual Moral Development

Page 37

Integrating Morality Into Our Lives

Page 38

    Developing A Work Ethic

Page 38

Acting in the Best Interest of the Majority

Page 39

Expanding Our Moral View

Page 39

Acknowledging the Needs of Others

Page 40

Listening Our Way to Success

Page 40

Fulfilling Our Obligation to the Client

Page 41

Making Our Own Moral Choices

Page 42

Progressively Moral

Page 43

Can You Teach An Old Dog New Tricks?

Page 44

Philosophic Morality

Page 45

Policy Presentations

Page 47

Insurance Applications

Page 47

Representing the Companies With Honesty

Page 49

The First Step is Awareness

Page 50

    Comparing Company Practices

Page 50

    Comparing Losses and Gains

Page 50

    Public Trust

Page 50

    Know the Products

Page 50

    Who Owns the Company?

Page 51

Acknowledging Our Moral Obligations

Page 51

 

 

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