High willingness with low financial capacity

A client wants an aggressive sector fund after seeing a strong recent return. The client describes being comfortable with risk and offers to sign any waiver required. During discussion, the representative learns that most of the account is needed for an essential payment within a year and the client has little other liquid savings. Income has become less stable since the previous review. The desired fund overlaps with holdings already in another account. The representative has not yet clarified the flexibility of the payment date or the consequences of a substantial decline. The client asks for the purchase to be processed before those questions are discussed.