Your Collaborative Divorce participation agreement will typically include a provision stating that the status quo be maintained, so no changes can be made to insurance coverage or
other financial matters without the consent of both parties.
Advice is in the retirement investor's best interest when the advice is rendered «with the care, skill, prudence, and diligence under the circumstances then prevailing that a prudent person acting in a like capacity and familiar with such
matters would use in the conduct of an enterprise of a like character and with like aims, based on the investment objectives, risk tolerance,
financial circumstances, and needs of the Retirement Investor, without regard to the financial or other interests of the Adviser, Financial Institution, or any Affiliate, Related Entity, or other part
financial circumstances, and needs of the Retirement Investor,
without regard to the
financial or other interests of the Adviser, Financial Institution, or any Affiliate, Related Entity, or other part
financial or
other interests of the Adviser,
Financial Institution, or any Affiliate, Related Entity, or other part
Financial Institution, or any Affiliate, Related Entity, or
other party.»
The Audit Committee has met with the internal auditors and independent registered public accounting firm, separately and together, with and
without management present, to discuss IBM's
financial reporting process and internal accounting controls in addition to
other matters required to be discussed by the statement on Auditing Standards No. 16, Communications with Audit Committees, as adopted by the Public Company Accounting Oversight Board (PCAOB), as may be modified or supplemented.