"Unlike nearly every other business, the failure to say 'no' can have disastrous consequences for both the individual fiduciary and the business offering those fiduciary services.... 'When a client wants to do something that puts their plan at risk,' says [one financial adviser], 'that is, when doing what they "want" to do would compromise the probability of exceeding the plans goals, the advisor must be willing to tell the client no. For example, I have had clients that want to hold onto a very large concentrated stock position. However, when a material problem (one they simply can't allow themselves to admit is a possibility) for that company would mean financial devastation to the client, you have to be willing to walk away on principle.' "

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