A. While the new fiduciary rules (see details here) require anyone who offers investment advice to put a client's interests above his or her own interests, unfortunately it's still your job to look after your own interests, here are several reasons:
a. Be careful of new marketing pitches
You might hear the investment sales people touting "fiduciary duty" in their sales pitches going forward. But it is still perfectly legal for a fiduciary to charge you a high fee, for example, charge you 2% of assets under management as fees even though you could create your own market index funds at a tiny fraction of the 2% annual cost.
b. Action is better than words
A retirement advisor might claim fiduciary duty when talking to you, but he or she might be selling you certain investment products that are legal but risky. For example, private real-estate investment trusts that are not liquid, or other non-traded securities. What you can do? Ask your advisor if there is a better product than what he or she is recommending to you!