Nerd's Eye View blog

Creating Powerful Advisor Marketing Messages That Better Connect With Your Ideal Prospects

August 8, 2022 07:05 am 1 Comment CATEGORY: Marketing

Good marketing based on using impactful messages for consumers is a foundational element for many types of businesses that allows companies to define and convey their unique value. For financial advisors, effective messaging often tells the story of how their advisory practice serves clients, with the intent to resonate with the audience and inspire them to engage with the firm. But while the messaging on many advisory firm websites speaks to a firm's capabilities, a better approach to drive engagement is to frame communication around the prospect's needs.

Employing a few key principles to shift the perspective and focus on what clients and prospects need can instantly create a more compelling message that will improve engagement. First, it's important to make the consumer (rather than the firm) the main character in the firm's communications. Flipping "we" statements into "you" statements puts the consumer front and center in the story – not the firm. The firm can then consider the unique needs of its target client (and the firm's ability to deliver solutions to these unique needs) to create more relevant messages. These needs can be determined by interviewing current clients who the firm considers to be 'ideal' target clients in order to learn about their priorities. Finally, the firm can use this information to craft messages that speak specifically to the prospects they want to reach, touching on the issues that are most unique – and most relevant – to them.

After the firm has developed its messaging with the target client and their needs in mind, it can consider how to best deploy them effectively on the firm's website. The goal is to show prospects how they will benefit by helping them understand what they will experience from working with the firm without simply describing the firm's services. This can be done in several ways, such as describing a 'path' (of three or fewer steps) the prospect will be guided to follow to achieve their goals, or creating a 'call to action' for what the client will need to do to get their plan in motion (e.g., scheduling a complimentary consultation or downloading a free sample financial plan).

As with any marketing investment, it is important for firms to track the results of these changes; for example, monitoring the number of website visitors during a certain period and the number of prospects who scheduled a consultation. One specific way to measure the effectiveness of messaging – and to identify where adjustments should be made – is through A/B testing, a marketing tool that is used to compare different content assets against one another. For instance, a firm could test an 'A' version with its current messaging that uses "we" statements against a 'B' version that includes "you" statements to see which generates more engagement.

Ultimately, the key point is that successful financial advisory practices value the power of words and understand the importance of having a solid messaging framework. Yet firms of all sizes and maturity often struggle with optimizing their messaging to get it just right. But by making a simple – yet crucial – shift in their messaging strategy by flipping "we" statements into "you" statements, firms can earn more credibility and (hopefully) attract more clients!

Weekend Reading For Financial Planners (Aug 6-7)

August 5, 2022 02:14 pm 0 Comments CATEGORY: Weekend Reading

Enjoy the current installment of “Weekend Reading For Financial Planners” - this week’s edition kicks off with the news that the SEC has issued a new bulletin clarifying the responsibilities of brokers under Regulation Best Interest (Reg BI). The guidance indicates that, despite early fears that Reg BI was ‘overly accommodating’ to the brokerage industry, the Commission is expecting that reducing conflicts of interest should be an ongoing task for broker-dealers rather than a one-time compliance disclosure change, and that brokerage firms will want to ‘show their work’ when it comes to their compliance responsibilities (a potential best practice for RIAs, too!)!

Also in industry news this week:

A study suggests that a significant number of brokers who are disciplined by FINRA are engaging in ‘regulatory arbitrage’ by moving to state-regulated insurance companies, making it more difficult for consumers to learn about their past infractions
How the proposed “Inflation Reduction Act” will impact financial advisors and their clients

From there, we have several articles on advisor content marketing:

How advisors can generate topic ideas for content to engage their target audience
The best practices (and pitfalls to avoid) for advisors when crafting an email subject line
Why campaigns that combine “sunk marketing” with “momentum marketing” can lead to greater results for advisors

We also have a number of articles on retirement planning:

How the variability in annuity payouts across annuity providers has exploded in 2022, creating an opportunity for advisors to add value to clients by comparison shopping across insurance companies
Why state long-term care insurance programs are driving demand for private policies, and the implications of these programs for advisors and their clients
How advisors can support clients in choosing a Medigap policy

We wrap up with three final articles, all about the advisor regulatory landscape:

Why better regulation of the insurance industry could make life easier for financial advisors
What advisors need to know about the new IAR continuing education requirements
Why pursuing title reform for financial planners is a worthwhile endeavor, even if it might be a bumpy process

Enjoy the ‘light’ reading!

Why Childfree People Require A Unique Financial Planning Process

August 3, 2022 07:07 am 0 Comments CATEGORY: General Planning

For financial advisors, dealing with issues concerning clients’ children, from education costs to legacy goals, is a common part of the planning process. But a growing number of individuals are going through life without ever having children. And no matter the reason, clients without children have unique planning needs that are important for advisors to recognize.

First, advisors can determine whether a client is “childless” (does not currently have children but might in the future) or “Childfree” (does not currently have children and does not ever plan on having children). And if a prospect or client does identify as Childfree, advisors can respect their lifestyle by refraining from asking whether they are certain about the decision or prying into their reasoning behind the decision (because questioning along these lines can often be misinterpreted as judgment calls, and the Childfree client likely already has to field these intimate questions from friends and family on a regular basis!).

For advisors with Childfree clients, it is important to recognize that these clients often have different lifestyle arrangements than clients with children. For example, they may be in a long-term relationship without being legally married, or they may live in more-than-2-person groups for both personal and financial reasons. In addition, Childfree clients often have more flexibility and mobility when it comes to relocating or taking extended time away from work throughout their careers (which increases the opportunity to do the detailed cash flow planning to make that happen!). Yet being Childfree can also come with additional burdens, such as being expected to take care of aging parents or other dependent family members (because they are often expected to have ‘extra’ time by not having to care for their own children).

Because of their particular situation, Childfree clients often have unique planning needs, particularly when it comes to insurance. For instance, Childfree clients, especially those who are single, may have less need for life insurance than couples with dependent children. On the other hand, Childfree clients often have an increased need for disability coverage, as they might not have a support system to carry them through their retirement. Similarly, Childfree clients often prioritize long-term care insurance as a way to ensure they are not a burden on others in old age.

Childfree clients can also face unique estate planning challenges. For example, it is more common for Childfree people to want to spend or gift their money during their lives (as they do not have children or grandchildren to leave money to upon their death). Which means that advisors with Childfree clients who opt for a ‘Die With Zero’ approach must balance their spending and gifting by maintaining a sufficient financial cushion to cover their lifetime spending needs. Also, because they might not have any immediate relatives, Childfree clients might explore the option of using a professional trustee and fiduciary as their executor, POA, and medical proxy.

Ultimately, the key point is that Childfree individuals have unique goals and challenges to address in the planning process. And those advisors who are able to address the specific needs of Childfree clients have a potentially profitable opportunity to serve a growing niche market!

#FA Success Ep 292: Syndicating Private Real Estate Opportunities To Differentiate With HNW Clients, With Matthew Topley

August 2, 2022 07:02 am 0 Comments CATEGORY: Financial Advisor Success Podcast

Welcome back to the 292nd episode of the Financial Advisor Success Podcast!

My guest on today's podcast is Matthew Topley. Matthew is the Founder and CIO of Lansing Street Advisors, an independent RIA based in Ambler, Pennsylvania that oversees $160 million in assets under management for 60 client households.

What’s unique about Matthew, though, is how he differentiates his firm by offering his high-net-worth clients opportunities to diversify their investment portfolios by syndicating private real estate partnerships that directly purchase individual multi-unit rental properties.

In this episode, we talk in-depth about how after years of working as a trader, Matthew realized his career and retirement were dependent on the stock market and decided to diversify his investments in real estate so that he could create passive income for himself, how after years of investing in his own real estate properties and struggling with management and landlord duties that made the real estate not-so-passive in reality, Matthew was introduced to ‘truly passive’ real estate investing through syndication deals and ultimately was inspired to offer those opportunities to his clients, and the tools and systems that Matthew has had to implement in order to scalably execute on private real estate syndication deals with his high-net-worth clients on an ongoing basis throughout the year.

We also talk about how, despite his deep roots in portfolio management as a trader, Matthew has built the center of his “virtual family office” solution for high-net-worth clients around their financial planning advice, why Matthew and his firm choose to outsource their financial plan preparation and other back-office services so that they can focus specifically on their client conversations around financial planning advice and real estate investment opportunities, and how Matthew has been able to so effectively differentiate his firm with its syndicated private real estate offering, even though, in practice, it tends to be no more than 10% to 20% of the typical client’s portfolio.

And be certain to listen to the end, where Matthew shares how, even though he has a background in institutional investing, he is surprised by the number of products still being sold to high-net-worth clients that are not in their best interests, why he feels it’s important for those entering the financial advisory industry to gain as much knowledge as possible and have a good sense of self-awareness to create a better path for a successful career, and why Matthew strongly believes in owning a firm as it gives him the freedom to make his own decisions, the time to work on the aspects of his business he truly enjoys, and the opportunity to create a bigger impact on society.

So, whether you’re interested in learning about how Matthew leverages real estate syndication deals to enhance his firm’s value proposition, how utilizing a “virtual family office” approach creates an essential one-stop shop for his high-net-worth clients, or how owning his firm has put him in a better mental and physical space to focus his energy on more positive attributes of his business and personal life, then we hope you enjoy this episode of the Financial Advisor Success podcast, with Matthew Topley.

The Latest In Financial #AdvisorTech (August 2022)

August 1, 2022 07:04 am 2 Comments CATEGORY: Technology & Advisor FinTech

Welcome to the August 2022 issue of the Latest News in Financial #AdvisorTech – where we look at the big news, announcements, and underlying trends and developments that are emerging in the world of technology solutions for financial advisors!

This month's edition kicks off with the news that Envestnet has acquired Redi2, one of the most widely used ‘revenue management’ systems in broker-dealers that facilitates the flow of dollars coming in and being paid out to advisors in all the various increasingly complex ways they can get paid (from upfront commissions via various product types to trails to advisory fees to standalone planning fees), along with its BillFin solution for independent RIAs doing standalone AUM billing.

The deal is well timed to a recent Risk Alert from the SEC about advisors engaging in (unwittingly) incorrect billing due to a lack of strong billing systems and processes. But arguably, it also signals a broader trend, particularly amongst broker-dealers, towards increasingly complex revenue models (with various combinations of third-party products, in-house products, advisory fees through a wide range of SMAs and TAMPs, home office models, and Rep-as-PM portfolios, and fee-for-service financial planning) that necessitates increasingly sophisticated billing systems to handle the growing complexity, as the industry continues its evolution from product sales to advice fees (and the messy middle that comes in the midst of that transition).

From there, the latest highlights also feature a number of other interesting advisor technology announcements, including:

Catchlight offers up a new system that scans information about prospects online to determine which ones are ‘qualified’ and worth pursuing further
AssetMark acquires Adhesion Wealth from Vestmark as TAMPs continue to seek scale for both technology development and distribution
CapIntel raises an $11M Series A round to bring its proposal generation tools from Canada to the US

Read the analysis about these announcements in this month's column, and a discussion of more trends in advisor technology, including:

Independent Advisor Alliance partners with ‘We Handle Tech: 4 Advisors’ as advisor demand grows for Managed IT Services providers to outsource IT support
Income Lab and MoneyTree both launch new ‘One-Page Financial Plan’ summary reports as advisors continue to demand more tools to demonstrate the ongoing value of financial planning after the upfront planning process is complete!

In the meantime, we’ve also made several updates to the beta version of our new Kitces AdvisorTech Directory, to make it even easier for financial advisors to look through the available advisor technology options to choose what’s right for them!

And be certain to read to the end, where we have provided an update to our popular “Financial AdvisorTech Solutions Map” as well!

*And for #AdvisorTech companies who want to submit their tech announcements for consideration in future issues, please submit to [email protected]!

Weekend Reading For Financial Planners (July 30-31)

July 29, 2022 02:02 pm 0 Comments CATEGORY: Weekend Reading

Enjoy the current installment of “Weekend Reading For Financial Planners” - this week’s edition kicks off with a survey indicating that while about 70% of advisors overall feel successful, those who charge fees (and enjoy the stability that recurring fees provide) tend to feel more successful than those who rely on less-stable commissions, with the effect being particularly pronounced for female advisors.

Also in industry news this week:

A survey suggests that consumers recognize that they are keeping more money than they should on the sidelines as they maintain a pessimistic outlook for markets and the economy
Why a recent SEC settlement is a warning that large RIAs need to pay close attention to the revenue sources of an affiliated broker-dealer

From there, we have several articles on advisor fee models:

How advice-only fee models can offer advisors greater flexibility in their service offerings and the clients they serve
Why creating an annual client service calendar is a helpful way to demonstrate an advisor’s value proposition to clients and regulators
How advisors can overcome the “Triple Whammy” of having too much work for too many clients for too little money

We also have a number of articles on mortgages:

How holding on to a mortgage while investing is a form of leverage, and why a mortgage itself is not an inflation hedge
How advisors can add value to clients considering cash-out refinances
Why some clients see home renovations as a way to delay inevitable bad news

We wrap up with three final articles, all about the current work environment:

The best practices, from happy hours to retreats, advisory firms can use to maximize the hybrid work environment
Why co-working space is the new ‘hot’ amenity in apartments and condo buildings
Why the return of in-person conferences is attracting parents who want to get out of the house, and the wide range of upcoming conferences for advisors

Enjoy the ‘light’ reading!

Kitces & Carl Ep 91: Is It Better To Have Clear Goals Or ‘Just’ A Strong Sense Of Direction?

July 28, 2022 07:02 am 0 Comments CATEGORY: Kitces & Carl Podcast

Financial advisors are often innately inclined to set long-term goals and stay on the course to help their clients achieve their goals, as the advisor understands the bigger picture of having a financial roadmap and its benefits. However, when long-term goals in a financial plan are too rigid, many clients may not be naturally inclined to stick with those goals or even with the financial advisor. It can be especially difficult for clients to stick to a strict ‘goals-based’ approach when their long-term goals are likely to change, or when the goals that their financial advisor conveys as important are not clearly connected to the client’s bigger ‘why’.

In our 91st episode of Kitces & Carl, Michael Kitces and client communication expert Carl Richards discuss why setting goals overall is an important step in developing a financial plan, but how structuring those goals around a broader sense of direction can guide the financial plan toward achieving more client satisfaction over time.

As a starting point, it’s important to recognize that goals are just guesses that are highly subject to change. Often, goals set in the initial stages of developing the financial plan do not end up being the goals achieved (which is okay!). While it is a good idea to create a roadmap for clients with long-term goals, leaving only a little room for flexibility and change can make it challenging for clients to commit, especially when they are unsure about why the goals are important in the first place. In reality, life will always change and nearly all goals will have to be adjusted at some point in time. A good way for advisors to meet the clients in the middle is to set smaller, more flexible goals that identify the clients’ desired "direction" so that they can set loose, adaptable "goals" and course-correct along the way.

Ultimately, the key point is that a ‘goals-based’ approach is not a one-size-fits-all solution. Because the future is uncertain, goals need to be reevaluated, clarified, and adjusted over time. And goals that are not based on a client’s current reality can be difficult for clients to connect to. Importantly, as the advisor/client relationship matures and goals are clarified, having flexibility allows for a deeper understanding by both advisor and client of why these goals are important. Furthermore, when the intent behind achieving the goals is understood, deeper trust – and longer-lasting relationships! – between the client and the advisor are established, instilling more confidence that goals will be achieved.

Why To Use George Kinder’s 3 Life Planning Questions With Financial Planning Clients

July 27, 2022 07:09 am 8 Comments CATEGORY: Client Trust & Communication

Financial planning is both an art and a science. While an advisor needs technical financial planning knowledge to create and implement plans for clients, soft skills that involve effective communication and relationship building are also crucial to both relate to prospects and clients and to understand their needs. Further, one of the most important qualitative ways an advisor can add value to clients is by helping them identify and select meaningful goals. And so, by asking the ‘right’ questions and building a bond with clients, an advisor not only ensures that their clients select appropriate goals, but also creates ties that will encourage them to remain clients for years to come.

As part of his Life Planning approach, George Kinder developed three questions that probe deeper into a client’s hopes, dreams, and fears, to help advisors develop more complete and impactful financial plans. The first of these questions asks clients to dream about their future and freedom, brainstorming how they would live their life if they were financially secure. The question is open and exploratory, creating the perfect environment for the client to provide more insight into their goals and priorities.

This approach to goal setting relies on social constructionism, a theory that suggests reality can be developed collaboratively. When advisors and clients work together through dialogue to develop a shared vision of the client’s dream life, both parties are better able to understand not only what the goal is, but also why it matters.

Notably, the goal-development process is not a quick one. Often, clients do not know what their goals are, or might struggle to articulate the details of their goals. For example, a client might say that their goal is to retire, but that doesn’t tell the advisor what the client wants their retirement to look like. But by using dialogue and engaging in the process of developing a socially constructed goal, the advisor may uncover what retirement really means for the client – the goals and activities they wish to pursue, how they want to spend their time, and how they envision their future.

Another benefit that comes from socially constructed goals is relationship stickiness. When goals are co-constructed between an advisor and their client, the desired outcomes are something that both parties uniquely and intimately share. And when an advisor co-constructs with clients, no other advisor will do!

In practical terms, while Registered Life Planners typically bring up the Kinder questions with clients without warning (as they have extensive training to handle the ‘shock’ value of the questions), other advisors with no Life Planning training might consider giving clients advance notice so they can start to consider their answers and help both parties be more comfortable with the discussion. During the client meeting, it is important for the advisor to ask several follow-up questions, not only to keep the conversation flowing, but also to help clients clarify their goals. These questions could explore the client’s motivations, who else is with them when imagining their best life, and how their dream differs from their current situation.

Ultimately, the key point is that Kinder’s first question is a valuable tool for advisors to work constructively with clients to help them discover their true goals. Which not only helps clients better understand what they are really looking for in life, but also allows the advisor to create a better financial plan and enhance client loyalty!

#FA Success 291: Managing Fast Growth And Slow Growth Of A Planning-Centric Advice Firm, With Amy Irvine

July 26, 2022 07:02 am 0 Comments CATEGORY: Financial Advisor Success Podcast

Welcome back to the 291st episode of the Financial Advisor Success Podcast!

My guest on today's podcast is Amy Irvine. Amy is the owner of Rooted Planning Group, an independent RIA based in Corning, New York that oversees $67 million in assets under management for 175 client households.

What's unique about Amy, though, is how she managed the complexities of starting her own RIA focused on Gen X women, and then dealt with unexpected growing pains as her business development worked ‘too well’ and the firm rapidly expanded from nearly 30 clients to over 100 in under 18 months… and then she had to figure out how to service all of her new clients at the same time she was hiring and training team members to help reduce that client workload.

In this episode, we talk in-depth about how after working for years in the financial industry, Amy realized there was a missed opportunity in working with career-driven Gen X women like her and decided to focus on serving that type of clientele she knew so well, how the initial fear of launching a firm on her own initially led Amy to partner with another advisor and try to capitalize on the opportunity to convert his practice from its commission-based roots into a fee-only firm… only to quickly realize they did not share the same vision and that she would be better off as a solopreneur instead, and how Amy’s unique model of charging subscription fees with no asset minimum for Gen X women revealed such an untapped market opportunity in her local area that as soon as she started volunteering for local organizations and providing financial education for non-profits in her community and communicating what she did and who she served, Amy began to spur a generous amount of referrals that led to a rapid growth.

We also talk about how the tragedy of 9/11 (coupled with Amy’s personal loss of friends and colleagues) and seeing how underfunded life or disability insurance can seriously impact people's lives inspired Amy to return to college and get her undergraduate degree just so she could gain her CFP marks and become a financial planner, how even though Amy was grateful for the success of her firm early on, she struggled with the rapid growth as it created pressure to quickly hire employees (and find the time to train them!), and how after seeing her staff reach stages of burnout while dealing with acquiring another advisor’s book of business during the early months of the pandemic, Amy intentionally stopped taking on new clients for 3 months and hired a coach to prioritize the mental health of her staff over the economic growth of her firm.

And be certain to listen to the end, where Amy shares how she wishes she had more confidence in herself at the beginning (and listened to recommendations from colleagues when launching her firm) to grow her firm slowly and charge more upfront for her services, why Amy believes in the value of starting one’s advisory career in an admin or operations role (especially for women interested in becoming financial advisors) as there are more opportunities to attain knowledge and the problem-solving skills that craft a good financial planner, and how Amy has navigated her own shift from the work she enjoyed doing directly with clients, to a role where she is more focused on guiding the strategies her financial planners will implement with their clients so that she can have an even greater, longer-lasting impact.

So, whether you’re interested in learning about why Amy chose to focus her firm on career-driven Gen X women and charges subscription fees without an asset minimum, how niching into an underserved clientele propelled the growth of Amy’s firm and strained her and her firm’s resources, or why Amy feels she is finally in a place where she can delegate responsibilities which allows her more time to develop focused strategies that will further the success of her firm, then we hope you enjoy this episode of the Financial Advisor Success podcast, with Amy Irvine.
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Announcing IAR CE From Kitces And The Mid-Year State Of The Blog

July 25, 2022 07:02 am 0 Comments CATEGORY: Nerd's Eye View

2022 was a year that began with high hopes as households were slowly re-emerging from pandemic shutdowns, markets were reaching new highs, and most advisory firms had growing momentum. Within just a few months, though, Omicron had led to another wave of at least partial shutdowns, inflation began to rear its ugly head in a way not seen in decades, and the market fell to its worst first-half start since 1970. Yet despite this – and perhaps even because of it – advisory firms are putting an ever-greater focus on financial planning in 2022, as a way to both show value to clients in the midst of difficult market returns, and, more broadly, to help clients navigate the current environment. Which we’ve witnessed first-hand here at Kitces.com, as the advisor community has engaged in record numbers with some of our recent articles on how best to advise clients through it all, and capitalize on the opportunities along the way.

And so, as we enter the second half of the year, we want to give all of you, our Readers and Members, an update on what we’re doing to continue to serve and support the advisor community through a challenging year, and some of the new enhancements you’ll see from us in the months to come.

First and foremost, we’re excited to announce that, effective immediately, all of our Nerd’s Eye View blog and recorded webinar CE from 2022 (and all future CE) is now eligible for the new IAR CE requirements. Which is relevant already in 2022 for any advisors who are registered in one of the 3 states (as their home state, or simply a state in which they have more than the de minimis number of clients) that has already rolled out the IAR CE obligation – Maryland, Mississippi, and Vermont – and will be relevant for far more advisors in the years to come as more states implement the NASAA Model Rule for IAR CE (with Arkansas, Kentucky, Michigan, Nevada, Oklahoma, Rhode Island, Wisconsin, and Washington DC already expected to enact their IAR CE requirements for 2023). All advisors in the Kitces Members Section will be able to earn IAR CE in addition to their credits for CFP, CPA, EA, and various IWI and American College designations as part of their ongoing membership fee (though notably, NASAA is imposing a $3/credit, or $36/year, reporting fee that Kitces will also have to collect on behalf of advisors and remit for their reporting).

In addition, we’ve also just launched a major update to our popular Course on “How to Find Planning Opportunities When Reviewing a Client’s Tax Return”, which has been refreshed to include the latest IRS forms and schedules, new educational videos from our very own Jeff Levine, and improvements to the Course navigation and supporting materials (downloadable video transcripts for your highlighting or future reference!). And in the coming month, we’ll be rolling out our newest course on “How To Spot Planning Opportunities when Reviewing Estate Planning Documents”. Because, the reality is, while we may learn about tax and estate planning in our CFP classes, there’s remarkably little to show us as advisors how best to navigate the reams of tax returns and estate documents that we collect from clients to figure out what their opportunities are! A gap our Kitces Courses aim to fill!

We’re also gearing up for our upcoming Kitces Financial Planning Value Summit, after more than 1,000 advisors registered for our first Value Summit last year! This year’s Summit will be held on Thursday, December 8^th – Save the date! – and we’re already accepting submissions for those who have a unique financial planning value-add that they’d be willing to showcase to other advisors. Notably, this is a paid speaking opportunity for advisors whose submissions are chosen to be featured at the Summit!

In the coming months, we’re also looking to make more updates to our popular AdvisorTech Directory that launched earlier this year at FinTech.Kitces.com. Stay tuned for new data on each software provider that shows how often they’re used by other advisors, and the Satisfaction scores that other advisors are giving the software. Along with, in partnership with our Consulting Consortium partner Craig Iskowitz of the Ezra Group, a new “Integration Score” to make it easier for advisors to understand how well various AdvisorTech tools actually integrate with other software solutions!

And given all of this growth, we’re also proud to welcome several recent new hires to the Kitces team – including Director of Engagement Steve Viner, Curriculum DesigNerd Shelitha Smodic, and Education Systems Manager Ryan Taylor – and have announced (or are about to launch) several new openings as well, including Director of Advisor Education, an Instructional DesigNerd, an Associate Financial Planning Nerd, and an upcoming role to become our full-time Director of Research. Those who are interested (or have a friend or family member who might be!) can check out our Career Opportunities page for more!

All in pursuit of our mission – Making Financial Advicers Better, and More Successful – through our ongoing focus on Navigational resources, Educational insights, Research on advicers, and Development of advicer skills. We appreciate the opportunity to continue to serve you within and especially in the midst of a challenging year, and welcome your ongoing feedback about what else we can do to serve you even better!