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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":"f3980df56b17999c0b1d7dc0df87d40d","s":"0340a9340a416b4a"}