Thursday, December 12, 2019

9 signs it's time to fire your client


By Liz Skinner
Some client behaviors foretell that a relationship is not going well. Even though it’s not easy to fire a client (and let go of that revenue), if a client is doing one of these nine things, the adviser should seriously consider showing them the door, according to experienced financial advisers.
Heather Ettinger, founder of Luma Wealth, Hannah Buschbom, partner at Ameriflex Financial Services, and Kathleen McQuiggan, wealth adviser at Artemis Financial Advisors, said these behaviors signal it’s time to cut a client loose. The trio spoke with InvestmentNews at its Women Adviser Summit in Denver Thursday.
Here are 10 additional signs you should fire clients offered by practice management experts.
Cybersecurity scorn
When clients resist your efforts to confirm wires and details of trades, arguing that their email requesting the transaction should be enough.
Set on surpassing markets
If clients focus only on outperforming the markets without concern for their own investment risks and goals.
Outlandish reactions
When they freak out about short-term declines in their accounts after repeatedly discussing their long-term investment strategy and goals.
Who? What? Where? When?
When no matter how clear you are about client expectations, clients always question your suggestions. This signals the trust just isn’t there.
Dodging the review
If clients don’t want to come in for a review meeting, it may show they don’t value the work the adviser is doing for them. When a client is paying an adviser, he or she should be eager to hear about the progress that's been made toward meeting financial goals.
Foul conduct
If they treat support staff poorly, as if their role isn’t important.
Are we still friends?
You move in the same social circles, but you’re not spending quality time with them.
Sharing is caring
If a client isn’t talking more than 50% of the time during meetings, he or she is not really sharing enough about their lives.
Excludes spouse
When you are working with a couple but only communicate with one of them. This could portend trouble between the couple or a lack of a commitment with the adviser.

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