In other words this probably isn't the way to start a Pinkberry franchise or the corner hardware store. "Small business is extremely risky, and most people shouldn't use retirement funds for risky investments," says Bill Harris, CEO of Personal Capital, an online financial adviser service. Even Guidant's Ames agrees this isn't for every budding entrepreneur. He tells the story of one client who used her funds to open a dry cleaner, only to sell the business and take a loss a short time later. A loss in this case most likely means she lost a good chunk of her retirement savings. Bad choices like these, however, are conveniently not Guidant's problem. Says Ames: "Our work is designed to weed out any compliance issues on the tax part. That's what we're good at. We are not small business finance experts. We don't advise on what transactions to invest in or not invest in."