The new rule by the Department of Labor with regards to investment advice, is rather confusing. The wording of the rule leaves open questions - is the fiduciary standard on all investments or just retirement accounts? And what fee would constitute a "non-fiduciary" fee? When laws are define broadly, it places a risk on those that are not in the know, in this case - consumers. Perhaps the DOL rule isn't a win-win situation for all as it imposes a burden on consumers to protect themselves when their advisers may not.