Getting it into your agent
It runs from inside its repository, so the clone comes first — what it calls does not travel with the file alone.
git clone --depth 1 https://github.com/deciqAI/knowledge-skillsnpx agentmods add skills/deciqai/knowledge-skills/ria-fiduciary-conflict-disclosureWrote this? Show the measurements
A badge with what this costs and how it scanned, read live from this page, so it follows the numbers instead of freezing them. Markdown for a README, HTML for a documentation site or a project page.
[](https://agentmods.dev/skills/deciqai/knowledge-skills/ria-fiduciary-conflict-disclosure)<a href="https://agentmods.dev/skills/deciqai/knowledge-skills/ria-fiduciary-conflict-disclosure"><img src="https://agentmods.dev/badge/skills/deciqai/knowledge-skills/ria-fiduciary-conflict-disclosure/github.svg" alt="Measured on agentmods" height="20"></a>Or the 80×15 button, for a site that already has a row of RSS and ATOM ones. Only the verdict fits; the numbers stay here.
<a href="https://agentmods.dev/skills/deciqai/knowledge-skills/ria-fiduciary-conflict-disclosure"><img src="https://agentmods.dev/badge/skills/deciqai/knowledge-skills/ria-fiduciary-conflict-disclosure.svg" alt="Reviewed on agentmods" width="80" height="20"></a>What it costs to keep this loaded
Counted locally with the o200k_base tokenizer, which is exact for GPT models; Claude uses its own tokenizer and its counts differ. Treat this as one consistent yardstick across the catalogue rather than a bill. Prices are per million input tokens.
| Model | Per session | Once invoked |
|---|---|---|
| Fable 5.1 | $0.00078 | $0.00717 |
| Opus 5 | $0.00039 | $0.00358 |
| Sonnet 5 | $0.00016 | $0.00143 |
| Haiku 4.5 | $0.00008 | $0.00072 |
Grade A, and why
ria-fiduciary-conflict-disclosure scanned grade A with 0 findings against 26 rules in 11 categories — prompt injection, anti-refusal, data exfiltration, privilege escalation, supply chain, agent snooping, system-prompt leakage, SSRF and excessive agency — measured 9d ago.
A static scan of the body, not an audit. Every finding is printed with the line that produced it so you can judge whether it matters here. A mod is markdown that instructs an agent; that is exactly why what it instructs is worth reading.
Nothing flagged
None of the 26 patterns this scan looks for appear in this file: no shell pipes, no recursive deletes, no credential paths, no hidden text, no instruction-override or anti-refusal phrasing, no agent-config snooping. That is not a guarantee, it is the absence of the things that are checkable.
How it starts
The opening of the file, as written. The whole thing — 52 lines — stays where its author put it; the contents beside it link to each section on GitHub.
RIA — Fiduciary Conflict-of-Interest Disclosure
Industry front door for principal-agent. Adds domain triggers, example, packs only. Parent Process unchanged. Not legal advice.
Activate when: identifying/disclosing conflicts in ADV 2A; compensation that varies by product; affiliated custodian/manager; rollover recommendations; "is this a conflict we must disclose?" Do NOT activate when: no advisory relationship / no agency duty.
Why this variant
The parent principal-agent analyzes misaligned incentives between an agent and the principal they serve. An RIA is a fiduciary — the principal-agent problem is the regulatory core. The duty: eliminate or fully & fairly disclose every conflict so the client can consent.
Domain inputs → parent's Process
- Enumerate where the advisor's interest diverges from the client's: fee tiers, revenue sharing/12b-1, proprietary products, affiliated custodian, rollover-to-AUM incentives, side compensation.
- For each: can it be eliminated? If not, disclose fully and fairly (specific, not boilerplate) + mitigate.
- Confirm the recommendation still meets the best-interest / duty-of-care standard independent of the advisor's benefit.
Worked example
Recommending a 401(k) rollover into an AUM-fee account. → Classic conflict: advisor earns more if assets roll in. Duty: document why the rollover is in the client's best interest (fees, services, options compared), disclose the compensation conflict specifically. Undocumented = exam finding.
Compliance anchors
- Advisers Act fiduciary duty (SEC 2019 interpretation); ADV 2A conflict disclosure; DOL/best-interest for rollovers as applicable.
Packs
- Solo: conflicts inventory refreshed with ADV annually.
- CCO: rollover best-interest documentation template.
Red flags
- Boilerplate "we may have conflicts" instead of specific disclosure.
- Rollover recommended with no comparison documented.
- Compensation differences by product not surfaced.
What this file has done since we first saw it
Hashed on every crawl. A supply-chain change to an agent config is a question of when, not whether, so the history is kept rather than the latest state alone.
- 9d ago First seen · 52 lines · 78 tokens per session scan A 82c4f223a144
ria-fiduciary-conflict-disclosure is a skill published in the GitHub repository deciqAI/knowledge-skills (10 stars, last pushed 11d ago), licensed MIT. It adds 78 tokens to every session and 717 once invoked, about $0.0004 per session on Opus 5. A static security scan graded it A with 0 findings. No closer match exists in the catalogue, so it is treated as the original; first seen 2026-09-03.
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