Jessica Ness has a client with a medical condition that likely will force her to retire early. The client thought she had disability coverage through her employer. However Ness, a senior financial planner with CJM Wealth Advisors in Fairfax, Va., reviewed the policy and concluded her client's understanding of the coverage available probably was incorrect.

Like Ness, most financial planners occasionally have to deliver difficult news to their clients. The way in which the information is communicated can determine how the clients consider and accept the changes ahead.

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