“If I don’t do it, someone else will.”

“The client wants it.”

These are two of the most common excuses I hear from financial professionals.

And honestly, they’re dangerous.

They sound harmless. Even practical.

But they mask a much deeper problem—one that affects the very core of how financial products are sold or how financial advice is delivered.

Let’s look at it this way.

Imagine going to a doctor.

You walk in and tell the doctor exactly what medication you want.

You’ve read a few articles, watched a few YouTube videos, maybe even seen a few influencers talk about it.

And instead of examining you, asking you questions, running tests, or diagnosing your condition, the doctor says, “Sure.”

He hands over the prescription you asked for.

Just like that.

Would you respect that doctor?

Would you trust that kind of medical advice?

Or would you walk out wondering what just happened?

You’d probably think—wasn’t the doctor supposed to be the expert here?

Wasn’t he supposed to tell me what I need, not just give me what I want?

Would you go back to a doctor who behaves like a vending machine?

You see where I’m going with this.

Yet in the world of investing, this is what happens every day.

An investor walks into a financial professional’s office and says, “I want to invest in this product.”

Or, “My friend made a lot of money on this PMS.”

Or, “Everyone’s buying this alternative investment, should I buy it too?”

And the financial professional, wanting to please the client or out of fear of losing the relationship, says yes.

No diagnosis. No evaluation of suitability. No thoughtful conversation.

Just a nod and a transaction.

Because if they don’t give it to you, someone else will.

But is that what you’re really looking for?

Is that the kind of financial professional you want?

Someone who just agrees with you?

Someone who gives you what you want even when it’s not what you need?

Let’s go back to the doctor analogy.

When you’re sick or unwell, do you want a doctor to prioritize your comfort or your well-being?

Do you want someone who avoids difficult conversations and simply tells you what you want to hear?

Or do you want someone who has the courage to say, “I know you want this medicine, but it’s not good for you. Here’s what you really need.”

That is what a true professional does. That is what earns trust.

Now let’s flip this to wealth.

In recent years, more and more investors have started chasing trends.

Everyone wants what someone else has.

He invested in that startup, I should too. She made money in that PMS, I want that now. He has exposure to this fancy alternative fund, what about me?

We’re living in a time when imitation has replaced intention.

When we want something not because it’s right for us, but because it seems to be working for someone else. And financial professionals are caught in this cycle of reacting to these requests.

Because again—“if I don’t do it, someone else will.”

But that statement is a recipe for mediocrity.

Worse, it’s a recipe for regret.

Because the moment a financial professional stops challenging your thinking, they’ve stopped acting in your best interest. They’ve stopped doing their job.

And you’ve stopped getting real guidance. You’re just getting execution.

And I don’t think you want that. You don’t want someone who gives you junk because you asked for it.

You want someone who has the courage to say no.

To push back.

To hold the line when your emotions take over.

Because when it comes to money, emotions will take over.

Greed, fear, envy, overconfidence—they’re all part of the journey.

You need someone who understands that and doesn’t just go along with the mood of the moment.

Let me give you an example.

A few months ago, an investor I know was chasing a private deal that had a lot of buzz around it. His friends were in it. It had a high minimum ticket size. It sounded exclusive and smart. But when we dug into it, the deal was built on extremely shaky foundations. There was little transparency. The risk-reward equation made no sense.

It was more brand and less substance.

We had a conversation that wasn’t easy.

I told him clearly: “You may not like what I’m going to say, but I wouldn’t let my own family and friends  put money in this. And if I were in your shoes, I wouldn’t either.”

He was disappointed.

But a few weeks later, that deal started unraveling. And he called to say, “Thank you for not giving me what I asked for.”

That’s what real guidance looks like.

It’s not always easy. It’s not always appreciated at the moment. But it stands the test of time.

So to all the investors reading this—here’s what I want you to think about.

What kind of financial professional do you want in your life?

Someone who says yes to everything you ask for?

Or someone who protects you from yourself when needed?

Someone who mirrors your emotions and amplifies them?

Or someone who brings calm, clarity, and conviction?

Because just like in health, wealth is not about short-term comfort.

It’s about long-term well-being.

And real professionals are not afraid to tell you what you need to hear. Even when it’s not what you want to hear.

They don’t operate from fear.

They don’t say yes just to retain the business.

They say no to protect the relationship.

That’s who you should trust.

And that’s who you should want by your side.

Because when it comes to your financial life, the stakes are too high for someone to just nod along.

You deserve better.

And the best professionals will never say yes just because someone else will.

They’ll say yes only when it’s right for you.