Under state securities law, which of the following is an example of a 'fraudulent, deceptive, or manipulative' practice by an IAR?
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A
Recommending a diversified portfolio to a risk-averse client
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B
Charging a reduced fee for a long-standing client relationship
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C
Borrowing money from a client without prior written consent from the firm
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D
Declining to accept a client whose investment objectives do not match the adviser's specialty