Sara is a CFP® professional with her own financial planning practice. Barry was referred to Sara, as Barry was looking to purchase a disability insurance policy. Sara gathers data from Barry to complete an application to submit to the insurance underwriter. Sara also explains, in detail, the tax implications of purchasing a private disability insurance policy. What duty of care does Sara owe Barry, according to the CFP Board of Standard's Code of Ethics?

a. Sara is required to place Barry’s interest ahead of her own interest at all times.

b. Sara owes Barry the duty ofa fiduciary.

c. Sara is not engaged in the material elements of financial planning and does not owe Barry any duty of care.

d. Sara must place Barry’s interest ahead of her own and she owes him the duty of a fiduciary.