Unlike other languages, English is full of deceptive words that entice people to purchase products and services they think they are getting when they are not. It happens a lot with food. Lemon flavored products have no lemons in them. Homemade food items are made in factories. Chicago style pizza isn’t from Chicago. Kosher style catering isn’t Kosher and there is nothing natural about natural food. It also happens a lot with retirement plan services, especially when it relates to “fiduciary services” because much of the time, fiduciary services offer very little fiduciary protection to plan sponsors. So this article will try to let plan sponsors know what the term fiduciary really means and what products and services out there don't offer the fiduciary liability protection that plan sponsors assume they are getting.