Lindsey works as a comprehensive financial planner. When working with clients, she looks at someone's entire financial situation and makes recommendations across several financial areas. She is a CFP. As such, Lindsey: I. cannot charge a fee for her investment advice. must act as a fiduciary. specializes in investment management rather than general financial planning. II. III. OI and II only. O II and III only. O I, II, and. O II only