advice-standards

Name: advice-standards
Availability: InStock
Author: joellewis

Analyzes regulatory boundaries between investment advice and education under SEC rules.

164|33|Updated Feb 15, 2026

Search Tags:#regulatory compliance #investment advice #advisers act #regulation best interest #fintech regulation #robo-adviser

Ready to run

npx skills add https://github.com/JoelLewis/finance_skills --skill advice-standards

💬 Prompt for ChatGPT / Claude Chat▼

Please help me install this Agent Skill.
Skill: advice-standards
Source: https://github.com/JoelLewis/finance_skills/tree/main/plugins/compliance/skills/advice-standards
Command: npx skills add https://github.com/JoelLewis/finance_skills --skill advice-standards

SYSTEM DOCUMENTATION & REQUIREMENTS

💡 This Skill includes references (resource) components.

What problem does it solve?

This Skill clarifies the complex regulatory boundaries between financial education and regulated investment advice, helping users understand when registration or specific compliance measures are required.

Core Features & Use Cases

Regulatory Line Drawing: Distinguishes between permissible education and regulated advice under key securities laws (Advisers Act, Reg BI).
Trigger Identification: Helps identify when a product, platform, or communication crosses the line into requiring registration or adherence to best interest standards.
Use Case: A fintech company is developing a new AI chatbot that discusses investment strategies. This Skill can help them determine if the chatbot's responses constitute investment advice, requiring the company to register as an investment adviser.

Quick Start

Use the advice-standards skill to determine if a robo-advisory tool requires registration as an investment adviser.

Frequently Asked Questions about advice-standards

High-intent search queries and answers about installing and using this skill.

FAQPage Schema

Does an AI chatbot discussing investment strategies require registration as an investment adviser?▼

An AI chatbot discussing investment strategies may require investment adviser registration if its responses constitute regulated investment advice under the Advisers Act. Functional tests evaluate personalization and disclaimers to determine if communications cross from permissible education into advice.

How do I distinguish between investment education and regulated investment advice under Reg BI?▼

Distinguishing between investment education and regulated investment advice involves analyzing regulatory definitions under Reg BI and the Advisers Act. Key distinctions rely on functional tests assessing whether communications are personalized recommendations or general financial information.

When does a fintech feature trigger regulatory compliance requirements for robo-advisers?▼

Fintech features trigger regulatory compliance for robo-advisers when functional tests identify personalized investment advice. Crossing this boundary requires adherence to Regulation Best Interest standards or Advisers Act registration.

What is the DOL education vs. advice safe harbor for retirement investment guidance?▼

The DOL education vs. advice safe harbor defines specific boundaries for permissible retirement investment education. It clarifies when guidance remains general information versus crossing into regulated advice requiring adherence to fiduciary best interest standards.

Do broker-dealer solely incidental exclusions apply to automated investment platforms?▼

Broker-dealer solely incidental exclusions apply to automated platforms only if investment advice remains a minor part of their business. Functional tests examine personalization levels and platform features to validate the exclusion under Advisers Act guidelines.