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De gusanos y hombres

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De gusanos y hombres
Carlos De Fuenmayor
La venta de productos financieros ha sido cuestionada desde el estallido de la crisis.

La venta de productos financieros ha sido cuestionada desde el estallido de la crisis.

Resumen:

Cuando la nómina se superpone al componente ético que inexorablemente debe guiar el trabajo de cualquier profesional dedicado al asesoramiento financiero, las consecuencias no se hacen esperar. Consecuencias siempre nefastas para una clientela justa de conocimientos económicos que confiada y mansamente delega la toma de decisiones en terceros que se supone velaran adecuadamente por su bienestar económico.

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","iv":"5ba9adb8db6e95e797f01396f979447d","s":"7a6dafbe0555bd09"}