But right now, there are no rules of the road. Many financial advisers put their clients’ interest first – but some financial advisers get backdoor payments and hidden fees in exchange for steering people into bad investments. All told, bad advice that results from these conflicts of interest costs middle-class and working families about $17 billion every year. President Obama explained his latest directive to the Department of Labor to tighten up rules around financial advisers and retirement advice in this morning's weekly address, talking about lack of "rules of the road" and how that affects people saving for retirement in the long run. Middle-class families cannot afford to lose their hard earned savings after a lifetime of work.