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Conflicts of interest naturally occur in business. When any form of compensation is being exchanged for a product or service a conflict could exist. In the financial services industry, conflicts of interest absolutely exist. When and how the conflict of interest manifests often depends on how the financial professional is compensated. Most discussion and debate around conflict of interest in the financial services industry seems to surround commissionable product sales when a commission is earned at the time a product is sold. So, what does that look like? Imagine two seemingly similar products that are designed to provide similar benefits to the intended target audience. From an industry ou