Christian Werthmullers War Stories - 1307 Words

Since the beginning of history there has always been conflict and disagreement, which led to battle and confrontation. Ever since these hostilities have emerged, the problems that spark the conflicts and the battle itself have been illustrated in textbooks and plastered all over the internet, yet no one really takes the time to think of the many soldiers and people who risk their lives for our safety and freedom. To gain a tighter grasp on history and what these veterans have done for us, we interviewed army veteran, Christian Werthmuller, who participated in Black Operations, Operation Desert Storm, and the Iraq War. Black Operations had been a continuous secret really started in WWII with the Rangers and UDT. The OSS started then which†¦show more content†¦His confidence and determination lead him to believe that anyone can do anything if their heart is in the right place. He believes that the true heroes are those serving above him in service (Werthmuller). Our group learned that the position of officer in the U.S. Army is a difficult rank and a harsh one in that one must be responsible for the lives of many and still manage to fight for his country. This is what makes Officer Werthmuller so special; he sincerely cares about the lives of his loved ones and doesn’t think a minute of life should be wasted. From Officer Werthmuller’s stories and experiences of battle and training, one learns that people in service are so grateful and blessed for everything that they have in their lives. The hard training and responsibilities that a soldier has to endure while in service have made them at one point, he told about one night he was looking at the stars and said that he would give anything to be home with his family; he thinks they are the most precious thing in the world and seizes every opportunity he gets to be with them (Werthmuller). This really shows how precious life is because in the span of one second, your life could be ripped out from under you without any warning. In the military, this uncertainty leads to the brotherly bonds between the soldiers and devotion throughout their entire lives. One never knows when their â€Å"brother† is going to be lost in battle and thus the soldiers

Male Sexual Orientation Is Connected with Genes - 669 Words

A recent study has found proof that male sexual orientation is connected with genes. â€Å"Scientists tested the DNA of 400 gay men and found that genes on at least two chromosomes affected whether a man was gay or straight† (Sample 1). A specific part of the X chromosome called Xq28 had some influence on men’s sexual behavior. However scientists have not found concrete fundaments as to which of these number of genes in the region are involved in the determination of men sexual preference, or the number that lie in other sites within the genome. Researchers have said before how genes intertwined with men homosexuality may have endured evolution because they happened to make women who carried them more fertile. This could be the case for genes in the Xq28 region, as the X chromosome is passed down to men exclusively from their mothers (Sample 2). A scientist at the US national cancer institute, investigated the family histories of around a hundred gay men and found homosexuality was very likely and prone to be inherited. This study came up with the results that more than ten percent of brothers of gay men were gay themselves, in comparison to approximately three percent of overall inhabitants. On the other hand, uncles and male cousins on the mother’s side of the family led Hammer to have a closer look at the X chromosome. After arduous and continuous studies, he came with these results, he found that thirty-three out of forty-four homosexual brothers inherited alike geneticShow MoreRelatedGay Straight, And The Reason Why Essay1497 Words   |  6 Pageshas long been debated where our sexual orientation comes from, particularly whether its biological or social forces driving these behaviors. In regards to homosexuality and bisexuals, some have argued that it may be a choice that these individuals are making.(Levay 2012: 41)Some have even said it is a mental disorder that one can recover from, but there is plenty of data that says otherwise.(Levay 2012: 41)(Levay 2012: 65) I believe diverse sexual orientations develop in humans due to sex hormonesRead MoreHomosexuality: A Natural or a Chosen Life923 Words   |  4 PagesHomosexuality, Natural or A Chosen Life? Today, America is still faced with segregation issues, only today it isn’t about the color of skin but about your sexual orientation. A private matter that is suppose to be between two individuals, whether they are heterosexually or homosexually married, has become an issue of society. When it comes to finding a job, getting married, and all the legal rights involved in a marriage, homosexual couples are criticized and in some states not allowed. If it isRead MoreThe Effects Of Prenatal Hormones On The Developing Fetus1510 Words   |  7 Pagesfindings lead that some researchers estimate that sexual orientation is 30 to 70 percent genetic (Mustanski, Chivers, Bailey, 2002). Another research suggests that sexual orientation is impacted by a gene or genes found on the X chromosome. Though genetic tendencies for homosexuality may be passed from mothers to their children (Rahman Wilson, 2003). During human evolution, homosexuality was developed to minimize competition between males for a limited number of potential female mates (SchullingRead MoreThe Biological Perspective On Homosexuality Essay1558 Words   |  7 Pagessignificant region of the brain, plays a role in sexuality. This theory is supported by evidence homosexual behaviors in young age (Bellamy, 2012). According to Heffner Johnson (2003), Darwin believed that sexual orientation is not a choice, it emerges from adolescence without prior sexual experience. Many experiments in the biological perspective have been done to support that nature plays a role in homosexuals. Biologist have found anatomical, genetic, and endocrine evidence in homosexuals. AlfredRead MoreHomosexuality And Its Psychological Behavior1575 Words   |  7 PagesHomosexuality: The attraction to same sex: sexual attraction to or sexual relations with somebody of the same sex. Since the beginning of time, homosexuality has always been shunned, taboo, and misunderstood. Homosexuality and its psychological behavior is a phenomenon with a long history, to which there have been various cultural and moral responses. Theories on sexual development claim that homosexuality is developed after birth as a result of a person’s environment (nature). Environmental factorsRead MoreIs Being A Lifestyle Choice?1270 Words   |  6 Pagesthat validate that being gay is not a lifestyle choice, but it is something that is rooted in biological variations from the structure of the brain, to differences in sex hormones, and genetic factors. In determining what causes a person’s sexual orientation there has been research done resulting in evidence that prenatal hormones have a huge influence on the cause of gendered traits. Experiments that have been conducted in the past have shown that when monkeys are given more testosterone that theyRead MoreFactors That Affect Sexual Orientation2003 Words   |  9 PagesFactors of Sexual Orientation Nicole Mercer Muskingum University EDU 500 Joy Cowdery Abstract What does it mean to be a woman or a man? What is it that influences us as individuals to live as a man or as woman as well have the feelings of attraction to someone else? Furthermore, what is it that influences us to have those feeling to someone of the same sex? What does this all mean? Approximately 100 years ago a German physician by the name of Magnus Hirschfeld suggest that the brainRead MoreHomosexuality Is A Way Of Living Life1911 Words   |  8 Pagescontinue to face.†¯ The beliefs of many people around the world about the nature of homosexuality, go into two patterns called choice and gene. Is homosexuality a choice or a gene? Are we born the way we are? Or are we shaped by the environmental factors while we grow up? The origin of homosexuality has been discussed intensively around the world. Gay is a sexual orientation, but the fact of acting on it is a choice. However, every person has their own views regarding this concept throughout time. Some peopleRead MoreNat ure vs. Nurture Essay1987 Words   |  8 Pagesas eye color or hair color, are simple because they are hereditary traits. The idea of having a certain personality, intelligence, or ability is under discussion because scientists cannot determine if these traits are learned, or predetermined by genes. The nature side of the debate argues that human behaviors are formed based on genetics. This means an individual’s environment plays no role in determining physiological and intellectual ability. Conversely, the nurture side of the debate arguesRead MoreMisogyny In Margaret Atwoods Oryx And Crake1642 Words   |  7 Pageshis parent’s marriage. When Jimmy’s mom gets upset about the moral integrity of her husband’s work, he regards to Jimmy, â€Å"women always get hot under the collar.† (17) This emphasizes the consequences of a money-driven society, especially one that is male dominated. His father, focussed on the basis of his professional success, is unaffected by his wife’s feelings and generalizes that women get upset easily and irrationally. He accepts no blame and feels no guilt for the work that he does. Over time

Guidelines Research Paper Free Essays

GUIDLINES? FOR? WRITING? A? RESEARCH? PAPER? ? ? RESEARCH? (Where? to? find? primary? and? secondary? material)? ? ? ? ? ? ? ? Evaluate? sources? you? find? according? to? authority,? accuracy,? and? currency.? ? ? PLAGIARISM? (How? not? to? use? research? material)? ? University? of? Innsbruck? library? (ALEPH? library? catalogue)? Humanities? library? (Bruno? Sander? Haus,? ground? floor)? Databases:? Many? databases? can? only? be? accessed? via? the? university? network.? Use? a? computer? at? the? university? or? install? a? VPN? client? to? log? on? to? the? system. We will write a custom essay sample on Guidelines Research Paper or any similar topic only for you Order Now ? You? find? the? portal? to? access? databases? on? the? university? ibrary? website:? http://ub. uibk. ac. at.? Some? databases? provide? full? text? material,? others? provide? sources? for? articles? and? books? which? you? have? to? cross? check? with? the? library? holdings.? The? most? important? databases? for? research? in? American? Studies? are:? o MLA? International? Bibliography? o Metalib? o JSTOR? o Academic? Search? Premier? (via? EBSCO? host)? o Contemporary? Authors? o Literature? Online? o Periodicals? Index? Online? Video? Archive:? The? Department? of? American? Studies? has? its? own? video? archive? where? DVDs? and? videos? can? be? checked? out? free.? Check? the? department’s? ebsite? for? more? information.? Internet:? Well? used,? the? Internet? can? be? a? great? source? for? your? research.? However,? always? double? check? the? quality? of? websites,? the? provider,? and? the? author’s? expertise? and? authority.? The? rule? of? thumb? is: ? If? you? cannot? find? all? the? information? you? need? for? a? complete? and? decent? bibliographic? entry,? it? is? not? a? source? worth? using.? Plagiarism? is? the? use? of? other? people’s? research? achievements? or? ideas? and? passing? them? on? as? your? own? or? using? them? without? proper? acknowledgement.? Sources? must? be? provided? for? direct? quotes,? ummaries,? and? paraphrases? of? other? people’s? work? or? ideas.? For? details? on? how? to? avoid? plagiarism? see? chapter? 2? of? the? MLA? Handbook.? Course? instructors? have? access? to? tools? that? reveal? plagiarism.? Students? who? plagiarize? will? be? failed. ? ? TOPIC/THESIS? (What? your? paper? should? focus? on)? ? Before? you? start? writing:? ? Find? a? topic? ? Choose? a? focus? ? Phrase? a? research? question? ? Phrase? your? thesis? statement? (which? should? be? included? in? your? introduction)? Information? that? is? not? important? for? your? thesis? statement? does? not? be long? in? your? paper.? Therefore,? void? lengthy? information? about? authors,? plots,? characters,? periods,? genres,? etc.? Focus? on? information? that? answers? your? research? question(s)? and? that? is? essential? to? prove? your? thesis? statement.? ? ? FORMAT? (What? you? paper? should? look? like? when? you? hand? it? in)? ? ? ? ? ? ? ? ? c.? schwarz? Din? A4? format? double? spaced? (everything,? including? footnotes? and? bibliography)? margins? (standard? margins,? i. e.? 2. 5? cm? on? each? side) font? size:? 12? page? numbers? on? the? top? or? bottom? of? each? page,? preceded? by? your? last? name? The? length? of? papers? required? may? vary? and? is? efined? by? your? course? instructor.? General? guidelines? are? 10? 15? pages? (3,000? 5,000? words)? for? proseminar? papers,? 15? 20? pages? (5,000? 7,000? words)? for? seminar? papers,? and? 80? 120? pages? (26,000? 40,000? words)? for? diploma? theses.? Before? you? start? writing,? make? sure? o your? word? proc essing? program? is? switched? to? â€Å"English†? (in? menu? item? â€Å"Extras†? and? â€Å"Language†;? this? way? quotation? marks? will? appear? correctly? as? â€Å"textâ€Å"? instead? of? „textâ€Å")? 1? ? o o the? spell? checker? is? switched? on? (in? menu? item? â€Å"Extras†? and? â€Å"Spelling? and? Grammar†? and? then? â€Å"Options†¦Ã¢â‚¬ )? German? auto? orrections? are? disabled,? e. g.? Word? often? auto? corrects? â€Å"its†? to? â€Å"ist†? (to? edit? this? function? enter? menu? item? â€Å"Extras†? and? â€Å"Auto? Corrections†? and? delete? the? entry? from? the? list)? ? When? you? hand? in? papers,? the? sheets? should? be? pinned? together? with? a? paperclip? or? simply? put? into? a? file? jacket.? Do? NOT? put? every? single? sheet? into? a? sheet? protector!? Do? NOT? put? papers? into? expensive? binders,? portfolios,? or? folders! ? ? STRUCTURE? (How? your? paper? should? be? structured)? ? Research? paper? with? chapters? Research? paper? without? chapters? ? title? page? ? title? page? table? of? content? ? text? ? introduction? o introduction? ? chapters? o main? body ? conclusion? o conclusion? ? bibliography? /? list? of? works? cited? ? bibliography? /? list? of? works? cited? ? appendix? (if? applicable)? ? appendix? (if? applicable)? ? Start? a? new? page? after? the? cover? page,? the? table? of? content,? and? the? conclusion? (and? the? bibliography? if? you? have? an? appendix).? Do? not? start? a? new? page? for? every? single? chapter!? ? Information? that? belongs? on? a? title? page:? ? title? of? the? paper? ? course? information? (title,? number,? semester,? name? of? course? instructor)? ? student? nformation? (full? name,? student? number,? study? code,? e? mail? address)? ? date? of? submission? ? (There? is? no? page? number? on? the? front? page,? even? though? it? counts? as? a? page. )? ? ? GENERAL? POINTS? TO? CONSIDER? ? ? ? ? ? ? ? Try? to? be? very? specific? in? your? writing;? avoid? generalizations.? Stick? to? general? composition? guidelines,? i. e.? how? to? structure? paragraphs? (e. g.? usually? there? is? no? such? thing? as? a? one? sentence? paragraph? in? an? academic? paper;? start? a? paragraph? with? a? topic? sentence? and? build? your? argument? from? there).? Stick? to? the? academic? register? and? do? ot? include? colloquial? expressions? or? words.? Be? as? specific? and? explicit? in? your? statements? as? possible? but? do? not? state? the? very? obvious? in? terms? of? what? you? do,? use,? and? analyze? in? your? paper.? E. g.? do? NOT? write:? â€Å"I? am? going? to? do? this? by? analyzing? the? primary? text? and? consulting? secondary? sources? on? the? text†;? or? â€Å"The? final? chapter? is? followed? by? a? conclusion,? which? summarizes? all? the? main? arguments? brought? forward? in? the? discussion†;? or? â€Å"After? the? conclusion,? a? list? of ? works? cited? includes? all? the? references. †? Those? things? are? obvious!? It? is? ermissible? to? use? â€Å"I†? in? academic? papers? on? a? limited? basis? (e. g.? â€Å"In? this? paper? I? will? argue? that†¦Ã¢â‚¬ ).? If? possible,? however,? use? passive? constructions? or? other? expressions? (e. g.? â€Å"The? aim? of? this? paper? is? to? show? that†¦Ã¢â‚¬ ? or? â€Å"It? has? been? argued? that†).? Avoid? expressions? like? â€Å"The? author? of? this? article? thinks? that†? (use? â€Å"I†? instead)? or? â€Å"as? we? have? shown†? (if? there? is? only? one? single? author).? Make? sure? you? note? down? the? bibliographical? information? of? all? sources? you? consult? for? your? research? to? avoid? plagiarism.? While? you? do? your? research,? keep? a? orking? bibliography? that? helps? you? keep? track? of? all? material? used? and? allows? you? to? go? back? to? sources,? e. g.? to? check? quotations.? ? ? Q UOTATION? GUIDELINES? (How? to? include? quotes? in? your? text)? ? ? c.? schwarz? ? Use? parenthetical? documentation,? i. e.? include? the? author’s? name? and? page? reference? right? after? the? quote,? summary,? or? paraphrase.? The? idea? of? performance? art? is? to? â€Å"turn? to? the? body? as? material? for? art†? (Goldberg? 7).? Note? that? the? punctuation? mark? goes? AFTER? the? parenthesis.? ? Always? use? the? exact? name? or? title? under? which? a? work? is? listed? n? the? bibliography.? Parenthetical? reference? for? two? or? more? authors:? (Gilbert? and? Gubar? 127)? 2? ? ? ? ? (Rabkin,? Greenberg,? and? Oleander? 25)? (Lauter? et? al.? 1584? 87)? Parenthetical? reference? for? more? than? one? source:? (Brown? 26;? Fukuyama? 42;? Armstrong,? Yang,? and? Cuneo? 80? 82)? Parenthetical? reference? for? more? than? one? author? with? the? same? last? name:? (C.? Brown? 26;? M.? Brown? 52)? Parenthetical? reference? for? more? than? one? source? by? one? author:? (Frye,? Anatomy? 13)? (Frye,? Doubt? Vision? 56)? Parenthetical? reference? for? work? listed? under? title? n? the? bibliography:? (Special? Report? 3)? ? If? someone? else? is? quoted? in? a? secondary? source,? use? the? abbreviation? â€Å"qtd.? in†:? As? the? reporter? Casey? Burko? puts? it:? â€Å"The? story? speaks? to? us,? and? we? respond†? (qtd.? in? Buckman? 35).? ? Use? single? quotation? marks? for? a? quote? within? a? quote:? â€Å"‘It’s? a? good? thing? we? stopped,’? the? dark? man? said? huskily†? (Gardner? 47).? ? If? a? direct? quotation? is? longer? than? three? lines,? set? it? apart:? ? The? following? quote? illustrates? the? transcendence? of? time? through? literature:? ? We? read? the? verses? of? one? of? the? great? English? oets,? of? Chaucer,? of? Marvell,? of? Dryden,? with? the? most? modern? joy? –? with? a? pleasure,? I? mean,? which? is? in? great? part? caused? by? the? abstract ion? of? all? time? from? their? verses.? (Emerson? 50? 51)? ? ? ? ? Note? that? the? punctuation? mark? goes? BEFORE? the? parenthetical? reference? in? this? case? and? that? NO? quotation? marks? are? used.? ? Punctuation? marks? with? quotations? o No? punctuation? if? the? quote? is? part? of? the? sentence:? People? consider? watching? TV? news? as? a? â€Å"form? of? modern? civic? duty†? (Lewis? 26).? o Colon? or? comma? if? it? is? independent? from? the? structure? of? he? main? sentence:? Schopenhauer? holds? a? bold? view:? â€Å"Music? [†¦]? is? in? the? highest? degree? a? universal? language†? (qtd.? in? Nietzsche? 99).? â€Å"Music,†? according? to? Schopenhauer,? â€Å"[†¦]? is? in? the? highest? degree? a? universal? language†? (qtd.? in? Nietzsche? 99).? ? Alterations? to? original? quotes:? o Leaving? something? out:? [†¦]? He? notes? that? â€Å"we? read? the? verses? [†¦]? with? the? most? modern? joy†? (Em erson? 50)? o Adding? something:? [addition]? Even? harsh? critics? acknowledge? that? â€Å"[s]ometimes,? it? [the? fictional? form]? serves? simply? as? the? framework? for? developing? an? argument†? (Faber? and? Sherry? 831).? o Adding? an? emphasis:? italics? (emphasis? added)? â€Å"Ours? is? a? world? that? is? both? everywhere? and? nowhere,? but? it? is? not? where? bodies? live†? (Barlow;? emphasis? added).? o Indicating? an? error? in? the? original:? [sic]? â€Å"The? Business? of? Printing? has? chiefly? to? do? with? Mens? [sic]? Opinions†? (Franklin? qtd.? in? Burns? 95).? ? Footnotes? and? endnotes? are? only? used? as? content? notes,? i. e.? to? include? additional? information? that? does? not? belong? in? the? text? itself.? ? c.? schwarz? Also,? he? did? not? regard? the? professional? blues? as? a? threat? to? the? folk? blues,? but? as? ? development? of? the? same? tradition? under? new,? urban? circumstances. 1? 1? In? â€Å"songs? Called? the? Blues,†? Hughes? emphasized? that? he? saw? the? blues? as? â€Å"city? songs? ? rising? from? the? crowded? streets? of? big? towns,†? and? as? â€Å"today? songs,? here? and? now†? (159;? Hugh es’s? emphases).? ? Hurston? gives? a? list? of? the? most? significant? contributions. 2? 2? The? examples? in? the? following? paragraph? are? taken? from? Hurston? 176.? ? 3? WRITING? AND? PUNCTUATION? GUIDELINES? ? ? ? ? Be? consistent? with? your? spelling? and? punctuation? throughout? the? paper? Do? NOT? se? abbreviations? and? avoid? short? versions:? I? am? (I’m),? we? are? (we’re),? do? not? (don’t),? will? not? (won’t),? cannot? (can’t),? they? have? (they’ve),? etc.? Capitalize? every? word? in? titles,? except? articles,? prepositions,? and? conjunctions.? Separate? a? title? from? a? subtitle? with? a? colon? (unless? it? ends? with? â€Å"? †? or? â€Å"! †).? â€Å"The? American? Declaration? of? Independence:? Narrative? Horizons? of? a? Text? in? Con? Text†? â€Å"Teaching? American? Studies? Abroad:? The? European? Experience†? Whose? Music A? Sociology? of? Musical? Language? Bringing? It? All? Back? Home:? Essays? on? Cultural? Studies? How to cite Guidelines Research Paper, Essays

Ethics in Financial Planning Free Samples †MyAssignmenthelp.com

Question: Discuss about the Ethics in Financial Planning. Answer: Financial planning pertaining to a person is a process which determines various ways through which an individual can meet life goals by properly managing his or her financial resources. This definition has been put forth in the work of Rattiner (2009). It typically comprises six elements viz. establishing and defining the client-partner relationship; collecting data of clients which would include goals, analyzing and evaluating the financial position of the client; recommending a suitable plan to the client as per the needs and financial position of the client; implementing the financial planning recommendations, and monitoring the financial planning recommendations (Rattiner, 2009). A financial planner or a financial planning manager, to be a true professional, needs to have a strong ethical way of doing the things. Ethics is defined in different ways but it has got two main types of definitions based upon two rival philosophical doctrines- one is objectivism or realism, and idealis m or Interpretivism (Subba Rao Roy Chowdhury, 2013). Objectivism or realism believes in the existence of an external world governed by objective laws, and is accessible to human knowledge; idealism or Interpretivism is based upon the non-existence of any real world outside independent of human consciousness. This view has been expressed in the work of Subba Rao, and Roy Chowdhury (2013). Ethics enables a person in the workplace to adhere to the set of laws, and acts of that particular organization. A financial planner while dealing with a client should put the interest of his or her client first, and then think about his or her own target. The financial planning manager, to be a true professional, needs to develop moral sensitivity to know when they are facing a situation with an ethical component, moral imagination to help provide effective means to a resolution of the ethical situation, and moral judgment to enable him to evaluate various means to such resolution (Duska, 2017). Ethics has a direct association with the social welfare. It has been observed on many an occasion that people want to keep their financial status secret. A person when visits a financial planner or vice-versa takes it into account that the financial planner would keep their personal financial matters confidential. This has been stated in the work of Duska (2017). The ethics comes into the picture for a financial planner as it is an obligation on his or her part, not to disclose any confidential client information without the specific consent of the client (Duska, 2017). A financial planner must have sufficient information about the financial a ffairs of the client to offer an effective service but in most of the instances the clients deny such information fearing that the financial planner may not be able to keep the pertinent information secret. Often it has been seen that the financial advisor discloses the secret information which is nothing but the breach of ethics. On the flip side, there is a scenario when a planner needs to disclose certain conditions of the client during the time of underwriting which is often not done for the planners own benefits. This is a case of ethical breach and the concerned client faces the problems while settling the claims. A code of ethics has been an integral part of many organizations. The leadership of fledgling financial planning movement considered the fact that proper standards need to be enforced rather than lip, voluntary services (Brandon Welch, 2009). The major development that took place in the history of financial planning was the creation of CFP (Certified financial planner) Boards board of practice standards, charged with putting teeth into the professional code of ethics which came into the existence earlier. This has been mentioned in the work of Brandon, and Welch (2009). The breach of ethics on the part of financial planning manager has resulted in many financial planning scandals. The new requirements have come after series of financial planning scandals. The new requirements intend to transform advice into a profession by introducing codes of ethical conduct, and educational tools (Patten, 2017). It has been mandated for those Advisors who are already practicing till January 1, 2021 to pass a competency or registration exam and until January 2024 to obtain a relevant degree, or degree equivalent (Patten, 2017). Financial planners need to know the fact that selling planning outfits is often a long lasting affair and would sometimes take even five years to complete (Patten, 2017). DeArmond Durband (no date) emphasized that the client management qualities are the most important aspect in the process of financial planning. DeArmond Durband (no date) also mentioned that often, financial planners undermine the variable keeping the client informed and feels that placing the interests of the client before that of the planner is the most important client management quality. Interestingly it has been observed that money spent on sales technique and marketing were the least important contributors to success. Before the financial planning came into existence, the focus of financial advice was on investment advice as the traditional providers of financial services like bankers used to market their own banking products rather than identifying the needs of the clients (Brimble Murphy, 2012). The focus of the modern day financial planners has widened compared to the traditional providers. Clients are increasingly looking forward to them for general wealth creation advice, retirement planning, superannuation, taxation, investment, and debt and risk management advice (Brimble Murphy, 2012). Thus, it is important for them to be morally responsible towards their clients. An ethical breach can prove to be detrimental for the clients especially those who are retiring. The rationale for choosing this topic lies in the fact that there have been many incidences of corporate and financial scandals in Australia pertaining to the sale of financial products by financial planning managers which resulted in a loss of more than $500 million dollars of the investors (Smith, 2009). Many big names in the forms of WestPoint Group of companies, the Storms financial group, and many others came into the limelight. The saddest part was that most of the losses were incurred by the retiree investors who lost a majority of their savings. This view has been expressed by Smith (2009). All these happen for varied reasons; one of them is not adhering to ethics by the financial planner. There are reasons for that too. Financial planners have to deal with a range of ethical dilemmas on a daily basis which arises due to the involvement of multiple stakeholders, interests, and val ues in conflict (Smith, 2009, cited in Smith, Armstrong Francis, 2007). A high level of ethical reasoning is necessary for the financial planners to meet the professional obligations of the clients. Smith (2010) put forth that there are three ethical criteria viz. egoism, malevolence, and principle. On the part of an individual three traits are linked with egoism, malevolence, and personal morality simultaneously in the forms of self interest, friendship, and personal morality. An organizations ethical climate is important in determining the beliefs of the employees or financial planners in terms of the composition of ethical behavior; issues regarding decision making, and criteria and priorities to measure and resolve the issues (Smith, 2010, cited in Martin Cullen, 2006 Cullen, Parboteeah and Victor, 2003). A persons financial capacity gets diminished with the age. A proper financial management is required to solve such issues (Teale, 2015). If a breach occurs in this type of case for the personal benefit of the planner, a tremendous loss is incurred by the concerned aged person morally, financially, and psychologically. Thus, an adherence to the ethical code of conduct is a must. List of Papers and/ Publications:- Brandon, E, D, Jr., Welch, H, O., 2009. The History of Financial Planning: The Transformation of Financial Services. New Jersey: John Wiley Sons, Inc. Brimble, M., Murphy, B., 2012. Past, Present, and Future: The Role of Tertiary Education in Supporting the Development of the Financial Planning Profession. Journal of Business Ethics Education, 9, pp. 105-124. DeArmond, D., Durband, D. [no date]. Financial planner behavior impact on success in financial planning. Journal of behavior studies in business, pp. 1-11. Duska, R, F., 2007. Contemporary Reflections on Business Ethics. Dordrecht: Springer Teale, J., 2015. Challenges facing financial planners advising ageing clients with diminished financial capacity. Financial planning research journal, 1(1), pp. 7-18. Patten, S., 2017. Financial advisers need to shape up or ship out. Financial Review [Online]. Available at: https://www.afr.com/business/banking-and-finance/financial-services/financial-advisers-need-to-shape-up-or-ship-out-20170824-gy3e97 [Accessed: 18 September 2018] Rattiner, J, H., 2009. Financial Planning Answer Book. Chicago: CCH a Wolters Kluwer business. Smith, J., 2009. Professionalism and Ethics in Financial Planning. Victoria University, Melbourne, Victoria, Australia. Smith, J., 2010. Ethics and Financial Advice: The Final Frontier. Victoria University, Melbourne, Victoria, Australia. Subba Rao, G, Roy Chowdhury, P, N, 2013. Ethics, Integrity, and Aptitude. New Delhi: Access Publishing India Pvt. Ltd. For a financial planner it is important to get into a valid contract, and make a will. This may reduce the chances of any serious breach of ethical code of conduct. There should be an ethical leadership scale which would take into account various factors like rewarding people of integrity, strong code of conduct governing the license of the planner, i.e. an ethical breach may lead to cancellation of his or her license, etc and assign a score. It is very important on the part of financial planner to apply their moral code, personal values, and experience to resolve ethical issues; maintains adequate flexibility; apply relevant law or any professional code of ethics, and understanding that corporate culture may have on ethical behavior and decision making.