Which of the following is a potential violation of fiduciary duty?

The potential violation of fiduciary duty lies in advising clients based solely on commission structures. A fiduciary duty requires a professional, such as an insurance advisor, to act in the best interest of their clients. When advice is driven primarily by the commission the advisor stands to earn, rather than the client's needs or best interests, it undermines that duty.

In a fiduciary relationship, the advisor should prioritize the client's welfare over their financial gain. The focus should be on providing suitable and beneficial options that align with the client's goals, regardless of the compensation involved. This is crucial in maintaining trust and integrity within the advisor-client relationship.

Maintaining a professional relationship with clients and providing them with all available options are elements that support fiduciary responsibility, rather than violate it. Not disclosing personal conflicts of interest could also be concerning, but the action of advising based solely on commission structures more clearly represents a failure to uphold the fiduciary standard.