text:  Because I think in many cases, people are not comfortable with the idea of seeing their nest egg get smaller in retirement. Advisors haven't primed them that this is necessary, especially in a low return environment. It's necessary to be able to maintain the same lifestyle that they had before. And that's a problem. That means that in many cases, the advisor wants to reserve as much of the capital as possible because their income is in many cases dependent on the amount of money that their clients have.