"While 'trust and confidence' are noble words, they also have specific definitions. For example, the advice would need to be of high quality; the costs should be reasonable; and the compensation of the advisor should be reasonable; and any conflicts of interest should be properly managed or mitigated.... [M]any investors, particularly in the world of 401k rollovers, are relatively unsophisticated and they're not in a position to evaluate conflicts of interest.... [T]he financial services sector should be required to manage and mitigate those conflicts for the benefit of the investor."