How Advisors Can Create An Annual Monetary Planning Course of

Govt Abstract

A standard service mannequin for a lot of monetary advisory companies is to schedule annual consumer conferences all year long the place the advisor meets with every consumer within the month they began working with the agency, and conducts a complete evaluation of all planning subjects for the consumer. Which signifies that on any given workday, advisors would possibly discover themselves reviewing one consumer’s portfolio and one other’s property plan within the morning, and having a gathering with a 3rd consumer later within the afternoon. Nevertheless, by creating a scientific annual course of to observe and replace consumer plans based mostly on seasons, not solely can advisors save time and work extra effectively, however they’ll additionally talk the worth of ongoing monetary planning providers to prospects and shoppers extra successfully.

One option to implement a seasonal mannequin is to group consumer conferences (and the requisite assembly prep) by matter, after which to thematically set up seasons all through the calendar yr. With this method, the advisor can concentrate on specific planning areas (e.g., tax and property planning) for all of their shoppers in every given time interval, with designated seasons for assembly prep and separate seasons for consumer conferences. Which implies there could be ample time to arrange for conferences that may cowl just one set of planning subjects – e.g., advisors would talk about tax and property planning with shoppers within the fall and put together for these conferences prematurely over the summer time, whereas discussing retirement and investments within the spring and getting ready for these conferences within the winter.

This method permits advisors to focus extra deeply on every matter they talk about with shoppers and, due to the systematic nature of the schedule, may also save time whereas bettering each effectivity and efficacy. Moreover, advisors can regulate the annual calendar to accommodate their workforce members’ work-life stability wants. For instance, with summers designated as assembly prep seasons, workforce members with kids can have extra workweek flexibility (given the dearth of consumer conferences) and revel in extra days off whereas their children are on summer time trip.

Importantly, implementing any new consumer assembly system additionally requires speaking to shoppers how the system works and setting clear expectations with them upfront. This can be finished by way of a Shopper Engagement Requirements doc, which might guarantee shoppers perceive the method and their obligations to supply the advisor with the requested data. And by ensuring that shoppers have this stage of readability, advisors and shoppers alike can have faith that no a part of their plan will slip by way of the cracks.

Finally, the important thing level is that by establishing a seasonal cadence of when and the way shoppers’ monetary plans are up to date and monitored, advisors can enhance effectivity whereas simply demonstrating to their shoppers the total vary of labor concerned in monitoring and updating their plans. So for advisors who really feel overwhelmed with the vary of duties they’ve in a given week, implementing a scientific annual planning course of based mostly on seasons can’t solely present extra construction to their processes, but in addition present a greater expertise – not just for their shoppers, but in addition for his or her work groups – within the course of!

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Writer: Kyle Moore

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Kyle Moore, CFP® is the founding father of Quarry Hill Advisors, a fee-only monetary planning and funding administration agency that oversees $200M for over 160 households specializing in working with stock-compensated staff and retirees. Previous to changing into a planner, Kyle attended Northwestern College and following commencement, tried his luck enjoying skilled golf for 4 years. You will discover him on Twitter @kylesmoore or strolling his Goldendoodle, “Hen” round Saint Paul along with his spouse, Madeline, and their two kids, Sophia & Graham.

For a lot of monetary advisors, demonstrating the worth of making an preliminary monetary plan for prospects who’ve by no means labored with a monetary advisor is usually a lot simpler than explaining the worth of the providers supplied all through an ongoing monetary planning relationship. It is because, whereas monetary advisors are sometimes most assured analyzing consumer knowledge and getting ready a monetary plan, they typically lack the identical stage of readability round growing a scientific strategy of monitoring and updating the plan over time as soon as it has been created.

Moreover, whereas many purchasers are interested by receiving a complete monetary plan, they merely don’t know why they need to proceed working with the advisor in an ongoing monetary planning relationship as soon as they obtain their plan, particularly when the advisor doesn’t present a transparent framework that illustrates how ongoing planning can present any worth to the consumer.

By adopting a proactive annual planning course of designed to systematically monitor and replace shoppers’ monetary plans, advisors can extra simply assist prospects perceive the worth of ongoing monetary planning – not simply by outlining the precise steps wanted to maintain their plan on observe on an ongoing foundation to make sure they meet their objectives, but in addition by stressing the significance of standard monitoring to make sure issues are prevented or caught whereas they’re nonetheless small, and that no vital alternatives are missed.

The Worth Of Systematizing Processes To Monitor And Replace Shopper Plans

How simply can most advisors work out the final time they reviewed their shoppers’ LTC, life, and incapacity wants? Or whether or not all Roth and backdoor Roth contributions had been made by eligible shoppers? How assured are they that no year-end-tax-planning alternatives had been missed throughout their whole consumer base? Particularly because the advisor’s consumer base grows, it turns into harder for them to depend on their very own reminiscence to serve their shoppers – a system have to be developed to maximise effectivity alternatives for the agency in addition to worth alternatives for his or her shoppers.

Many companies fail to determine a constant cadence of when and the way they monitor and replace their shoppers’ monetary plans – every consumer is perhaps on a distinct assembly schedule, and there’s no uniformity amongst assembly agendas throughout the consumer base. As such, preparation for every consumer assembly is advert hoc, and the behind-the-scenes ‘shadow work’ of economic planning to arrange for conferences is disorganized and scattered.

To make issues worse, the dearth of a scientific planning course of virtually ensures that issues will fall by way of the cracks for shoppers. And when updating a consumer’s monetary plan relies on the consumer reaching out to schedule a gathering, it often solely occurs in response to the consumer and barely will get finished frequently. This could result in issues when a consumer hardly ever (or by no means!) reaches out to schedule a gathering as a result of then there isn’t a set off for the advisor to gather the consumer’s knowledge and replace the plan. The plan will change into old-fashioned, probably leading to misplaced alternatives or, even perhaps worse, errors.

By creating an annual planning course of, advisors can be sure that each consumer’s plan is monitored and up to date persistently, no matter whether or not the consumer can are available in for a gathering. So as a substitute of at all times feeling busy, advisors and their workers solely have sure busy seasons.

Rising Effectivity And Output Utilizing An Meeting Line Manufacturing Method To Monetary Planning

Earlier than Henry Ford developed the meeting line technique of vehicle manufacturing in 1913, automobiles had been constructed of their entirety one after the other. However with the meeting line, Ford Motor Firm elevated their output (from 25 cars per day in 1903 to 1,000 in 1918) and diminished prices (from $825 per car in 1908 to $260 in 1925), all while increasing worker pay, reducing their shift hours, and decreasing the variety of errors that had been made, since every a part of the method was damaged down into repeatable steps, and every step was assigned to a selected particular person.

Monetary advisors can take an identical (but hopefully extra humanistic) method in the case of monitoring and updating their shoppers’ monetary plans – as a substitute of updating all the monetary plan for every consumer one after the other, batching parts of the method (e.g., scheduling out duties associated to tax, insurance coverage, property, and foundational planning points at totally different occasions of the yr) throughout all of the agency’s shoppers can cut back errors and enhance effectivity.

By adopting an annual schedule that applies the idea of ‘time blocking’ to the monetary planning course of and blocking particular durations of time all year long for consumer service duties, advisors may have extra free time and mind area and keep away from the nagging feeling of not figuring out off the highest of their head when the final time they did essential shadow work for the consumer.

For instance, a essential step in monitoring and updating a consumer’s monetary plan is to make sure their property paperwork nonetheless mirror their needs and intent. Our agency conducts property plan critiques within the fall of each odd yr for all shoppers on the identical time. And since we evaluation every consumer’s property plan move chart, beneficiary abstract, and key particular person define throughout this designated evaluation interval, we will be assured that every one of our shoppers’ property plans mirror their present needs. This yr, by way of our evaluation course of, we had a consumer understand that they wanted to replace the listed guardian for his or her baby as a result of they had been now not in an in depth relationship resulting from political variations.

Earlier than implementing this course of, I used to be carrying round a burdensome psychological load making an attempt to maintain observe of after we had final up to date totally different components of our shoppers’ monetary plans. When was the final time we reviewed LTC insurance coverage for our retired shoppers? Each consumer was serviced in another way on their very own particular person schedule, so it might take digging by way of lengthy histories of CRM assembly notes to determine this stuff out. Now I instantly know that we reviewed LTC plans within the fall of the final even yr.

Serving to Potential Shoppers Perceive The Scope Of Ongoing Monetary Planning

Along with growing the agency’s output capability and effectivity, having a systematized monetary planning system may also assist advisors articulate the worth of an ongoing monetary planning relationship to potential shoppers. It is because whereas most potential shoppers know they need assistance with the creation of their monetary plan, they typically don’t know what they must be doing to maintain their plan on observe.

Asking a prospect the appropriate questions, comparable to those beneath, can implicitly reveal the significance of proactive monitoring and updating:

  • When was the final time you had your insurance coverage wants reviewed to ensure your protection is suitable on the lowest value?
  • Who runs your tax projections to ensure you usually are not lacking any alternatives?
  • When was the final time your property plan and beneficiary designations had been reviewed to ensure they match?

Not solely does this dialog assist the consumer perceive the significance of monitoring and updating their plan, however it additionally helps them perceive the which means of an ongoing monetary planning relationship and what their advisor does to maintain them on observe over the long run.

For instance, after I meet with prospects and evaluation our monitoring and replace course of, I pull up a pattern plan in RightCapital and stroll prospects by way of how and when we’d tackle their wants. I inform them that due to our systematic strategy of monitoring and updating our shoppers’ monetary plans, errors are often prevented or caught whereas they’re nonetheless small, and all alternatives are taken benefit of.

By emphasizing the systematic method we take and the detailed course of we comply with to make sure shoppers keep on observe, we will efficiently convey the scope of labor concerned in monitoring and updating. After which the prospect can then determine if they’re keen to dedicate the time, power, and curiosity to handle the continuing wants of their plans themselves or in the event that they need to delegate it to knowledgeable agency like ours.

Fairly often, as soon as the prospect has a transparent understanding of the continuing planning course of, the considered doing it themselves typically makes them really feel very anxious, and they’re relieved to have another person take this burden off their shoulders.

Demonstrating Worth To Present Shoppers By Making The Invisible Work Seen

Not solely does having a systematized annual planning course of assist advisors make clear how an ongoing monetary planning relationship advantages new prospects, however it additionally frequently confirms the advisor’s worth for present shoppers, too. As a result of the shadow work of their monetary planning is clearly evident by way of common communication, requests for paperwork, and constant follow-up communication, shoppers can see how their advisor is proactively working for them all year long.

We clearly talk when and why totally different components of shoppers’ plans can be coated, and our Shopper Engagement Requirements additionally emphasize that they should present the requested data and full the follow-up duties we assign them. Consequently, shoppers by no means really feel the necessity to ask the query, “What do you do for me?”.

As a result of we persistently comply with our planning calendar year-round, shoppers know that we’re on high of their state of affairs and that they’ll sit again and allow us to drive. Even when a consumer can’t are available in for a scheduled assembly, we nonetheless ship them a report and video abstract of what we expect they need to know, together with related follow-up duties. They’ll offload the psychological burden of monitoring and updating their plan to us.

How Advisors Can Create Their Personal Annual Planning Course of

Whereas the idea of ‘assembly surges’ has been gaining momentum within the RIA area not too long ago, it doesn’t resonate with everybody. For advisors who could not like the concept of stacking 6 consumer conferences per day into intense assembly weeks each few months, it may nonetheless make sense to have ‘assembly seasons’ inside a agency’s annual calendar. The aim of a gathering season is to not maximize the variety of consumer conferences in a brief time frame; slightly, it’s to permit an advisor to batch and set up their consumer service into themes all year long, maximizing effectivity and efficacy.

Importantly, by associating every season with a selected theme, the work required to arrange for consumer conferences and to replace and monitor every plan can be optimized for every theme as a substitute of being scattered throughout a number of planning areas.

At our agency, we use an annual course of that’s divided into segments that comply with the 4 seasons – winter, spring, summer time, and fall. Our course of is thoughtfully deliberate round tax deadlines and contains conferences with our shoppers twice per yr.

As such, consumer assembly seasons are held in each the spring (March by way of Might) and the autumn (September by way of November), with most conferences at present concentrated in April and October. As we add extra shoppers, we will refill the start and tail-end months of every assembly season. In winter and summer time, we put together for the subsequent assembly season and implement bigger agency initiatives (e.g., software program adjustments).

Quarry Hill Advisors Seasonal Annual Planning Process Model

Extra advantages of this seasonal method embrace offering down durations in the summertime and winter months, permitting us to work on the enterprise, tackle new shoppers, and execute the information gathering and shadow work of economic planning for our present shoppers. Since we don’t meet with many purchasers within the winter and summer time, our workforce has far more flexibility to work remotely, and to work on the enterprise slightly than in the enterprise.

Assembly seasons additionally enable for extra flexibility for our workforce. If the agency calendar has 1 consumer assembly scheduled every day all year long, it’s harder for the workforce to work remotely. Nevertheless, if conferences with all shoppers are bundled collectively in seasons, advisors and their groups have higher management of organizing how and the place they’ll work through the off-meeting durations.

Winter Season

We start the winter by emailing a letter to all shoppers and their tax preparers in January that summarizes what we did through the yr that impacted taxes and lets them know what tax types they need to count on. We add gadgets to this letter all year long as they occur, as a substitute of on the finish of the yr, to assist be sure that nothing is missed.

We use Holistiplan as our tax planning software program, which makes it extremely straightforward to create, replace, and ship this letter to shoppers, and we use options in our CRM system, Wealthbox, to incorporate a remaining workflow step of noting tax-related transactions to ensure related gadgets are added to the consumer tax letter in Holistiplan as they’re accomplished (e.g., Donor Suggested Fund contributions, backdoor Roth, Roth conversions, and so on.).

Through the winter season, we additionally use Wealthbox to run a report that tallies all Roth and different retirement contributions made by shoppers. This lets us see which shoppers nonetheless have to fund their accounts to maximise their contributions earlier than the tax deadline in order that we will keep away from lacking a Roth contribution for eligible shoppers.

We spend the remainder of the winter scheduling shoppers for upcoming spring consumer conferences and requesting knowledge by way of process templates created by way of our monetary planning software program, RightCapital (which integrates with Wealthbox).

Winter Season Data Gathering Request To Prepare For Spring Season Meetings

One precious characteristic of RightCapital’s data-gathering instruments is that customized process templates will be utilized to all shoppers without delay, which lets us ship out data-gathering requests concurrently as a substitute of getting to ship custom-made emails to every consumer. This manner, our workforce members don’t have to spend time hounding shoppers for knowledge; we merely let automated RightCapital duties set off e-mail reminders each 2 weeks till the consumer completes the duty.

Spring Season

Within the spring, our consumer conferences all have the identical themes: retirement projections, foundations of economic planning (money reserves, financial savings price, debt evaluation), and reviewing our funding philosophy. To arrange for these conferences, we accumulate all the knowledge through the previous winter season to replace shoppers’ monetary projections prematurely of the assembly.

We additionally pull collectively a related funding presentation to coach shoppers on our funding philosophy and the technique we use for his or her portfolio design, because it’s essential to us that our shoppers perceive why they’re invested the best way they’re. Which is why we be sure to debate this with them, yr in and yr out, whatever the market surroundings.

Through the assembly, we evaluation with the consumer any follow-up duties that should be dealt with – by each the consumer and our personal workforce – and ensure to set the appropriate expectations with respect to turnaround time. Whereas we deal with all time-sensitive duties instantly, it could take a month or 2 earlier than we get again to them on non-time-sensitive follow-up gadgets. Notably, if any tax, property, or insurance coverage planning updates are introduced up and should be addressed within the spring assembly, we add these gadgets to the spring assembly agenda for that specific consumer. If it’s not time delicate, we’ll push it to the autumn assembly and request information through the summer time.

After the assembly, we undergo all follow-up gadgets, including consumer duties for RightCapital to ship out to shoppers with due dates and including our workforce’s personal inner duties to Wealthbox (typically setting summer time due dates on non-time-sensitive points). Whereas all the follow-up duties {that a} consumer assembly generates will be troublesome to deal with through the assembly season itself, something that isn’t pressing is pushed out into the subsequent season of our annual planning course of: summer time.

Summer time Season

Along with dealing with all the excellent follow-up duties from consumer conferences remaining from the spring, the primary focus of the summer time season is to request tax returns from shoppers and evaluation them for accuracy – as a result of catching errors on a tax return (which might occur continuously!) can add as much as substantial tax financial savings, and is an amazing method for advisors to reveal their worth to shoppers.

As soon as the returns are reviewed, they’re uploaded into Holistiplan. We additionally mission their earnings from pay stubs and some other tax-relevant data that we request by way of process templates generated by RightCapital later in the summertime, all in preparation for tax projections within the fall.

Along with tax paperwork, we additionally use RightCapital process templates to remind shoppers to ship up to date property paperwork (if we don’t have already got them) and a duplicate of their most up-to-date insurance coverage coverage declaration pages, together with some other supporting paperwork that we’d have to replace the legacy and danger administration components of their plans.

Summer Season Data Gathering Request To Prepare For Spring Season Meetings

Whereas now we have a bodily workplace location, we principally work remotely through the summer time season and benefit from the flexibility our course of permits us. And with out common consumer conferences scheduled, we will take pleasure in an excessive amount of day off to take pleasure in Minnesota summers! Our workforce takes Fridays off between Memorial Day and Labor Day, and holidays are inspired.

Summer time can also be a good time to host a enjoyable consumer occasion, which permits for an additional touchpoint with shoppers in a extra social context.

Fall Season

Within the fall, the ultimate season of our annual planning course of, our consumer conferences concentrate on taxes and both property planning (in odd years) or insurance coverage planning (in even years).

To make sure that our shoppers make the most of any year-end tax alternatives, we don’t run tax projections till the autumn, after we will be comparatively assured within the accuracy of the projection whereas nonetheless having time to make changes. Then, through the consumer assembly, we stroll shoppers by way of their tax projections to assist them perceive their present tax state of affairs and talk about any potential adjustments to be made earlier than the yr’s finish.

For insurance coverage critiques in even years, we analyze every consumer’s present protection utilizing RightCapital and pull in an unbiased agent to evaluation sure insurance policies (comparable to property & casualty, with our consumer’s permission) to make sure they’re adequately insured on the proper value.

For property critiques in odd years, we affirm the consumer’s present beneficiary designations for every of their accounts and go over their property plan flowchart in RightCapital. The flowchart permits the consumer to see, in greenback phrases, precisely how their property would switch to the surviving partner and beneficiaries in the event that they handed away both at present or projected out at a future date (together with assumed asset progress).

Sample Estate Flowchart

Having the ability to visually mannequin a consumer’s property plan brings it to life and permits the consumer to understand the potential move of their cash relying on numerous eventualities (who dies first and when). It is a nice alternative to ensure the property plan matches the consumer’s present needs and intent – each consumer’s state of affairs is fluid, however their property plan isn’t!

Challenges Of Implementing An Annual Planning Course of

Gathering Information

Adopting any course of to be adopted firmwide can have its challenges. Essentially the most vital problem of getting ready for consumer conferences, whatever the system in place, is accumulating the related knowledge to observe and replace shoppers’ monetary plans. And when conferences are structured into seasonal cycles, it’s particularly essential for us to have all the knowledge prior to the beginning of the assembly season. In any other case, we aren’t in a position to put together earlier than the season begins, and when our workforce has to prep through the assembly season resulting from late knowledge gathering, the workload is just too excessive and the workforce suffers. Which signifies that all the things ought to ideally be collected previous to the consumer assembly; nevertheless, shoppers aren’t at all times one of the best at offering the requested knowledge by their given deadlines.

Because of this it’s particularly essential to clarify to every consumer why the agency is adopting an annual planning course of in order that shoppers are conscious of the way it will work. Together with an overview of their obligations in a Shopper Engagement Requirements doc – and discussing these obligations straight with the consumer – might help shoppers perceive the significance of monitoring and updating their plan.

Quarry Hill Advisors Client Engagement Standards Agreement

Figuring Out A Workable Assembly Cadence For The Agency

The primary impediment is migrating all shoppers right into a seasonal assembly cadence. It may possibly take as much as 2 years to finalize a workable schedule the place all shoppers can meet on the agency’s new schedule. Not solely do shoppers should be ready for and adjusted to the brand new schedule, however the agency advisors additionally want to find out what works greatest for them.

Assembly surges that severely compress consumer conferences into quick bursts usually are not for everybody, and it may take a number of iterations of trial and error to find out what number of consumer conferences to carry in a single week and what number of weeks to unfold out the agency’s assembly season. Spreading out too skinny all through the assembly seasons can result in burnout for advisors and their groups.

At the moment, our assembly seasons final roughly 9 weeks, with 2 one-week-long breaks within the center to remain caught up and relaxation. Throughout assembly seasons, we maintain consumer conferences Tuesday by way of Thursday and Friday mornings. We don’t meet with shoppers on Mondays to permit time for remaining preparations for that week’s conferences. Additionally, we don’t meet with shoppers on Friday afternoons to make sure now we have time to finish or doc the follow-up duties generated from the week of conferences earlier than a brand new week of conferences begins.

Including To The Agency’s Workload

Since an annual planning course of could produce extra work than an advisor is perhaps accustomed to throughout busier assembly seasons, there’s a potential problem of being understaffed throughout sure factors within the cycle. For instance, for an advisor who has at all times supplied tax projections all year long and just for shoppers who requested them, concentrating all tax projections for all shoppers right into a single season as a part of an everyday annual planning course of can characterize a major enhance to their workload. Which signifies that advisors have to assess how a lot they need to change their present providers to make sure that they’ve the capability to tackle any further work.

Our agency doesn’t rent seasonal workers for the concentrated workload created by our annual planning course of; nevertheless, it could be the best choice for advisors who don’t but have a full workforce established.

When Shoppers Can’t Meet

When advisors tie the shadow work of updating the consumer’s plan to preparations made prematurely for a scheduled assembly, that work would possibly by no means occur if the consumer isn’t constant in scheduling conferences. However, by providing a “meet by way of e-mail” possibility for busy shoppers, the essential shadow work is decoupled from an precise assembly and gained’t fall by way of the cracks.

Our agency established this observe this yr in order that even after we aren’t assembly with a consumer, we nonetheless hound them for his or her knowledge in order that we will hold their plan updated. We ship an e-mail abstract of all the things we would have coated within the assembly with a brief video clarification recorded by way of Loom.

Duties to supply up to date data are nonetheless despatched out by way of RightCapital with due dates simply as they usually would previous to an everyday assembly, and if shoppers don’t present the requested data, we’ll observe that of their e-mail abstract, so the shoppers know they missed out. Typically, the e-mail abstract prompts shoppers to supply lacking data later, wherein case we run the analyses within the off-seasons (summer time or winter) and ship a Loom video and deliverables with our abstract and suggestions. This ensures that the shadow work is completed even when a consumer can’t meet!

Monitoring The Course of Throughout All Shoppers

Lastly, a problem now we have confronted is determining one of the simplest ways to trace our work to ensure our complete workforce is aware of who’s doing what and when. We discovered that utilizing Wealthbox workflows was an inadequate option to observe the sheer quantity of labor that wanted to be finished.

Since we apply the meeting line idea to our planning course of, we do the identical analyses throughout all shoppers and require the identical data from everybody all on the identical time. To maintain observe of the place all the things is within the pipeline, we depend on a spreadsheet that tracks each step of the process, from scheduling the client meeting to data collection to meeting preparation.

We meet weekly as a workforce and touch upon any duties which can be held up within the spreadsheet. Since our assembly season prep is pushed by after we obtain knowledge, we discovered that due dates and sequential logic within the CRM simply didn’t work in addition to having this extra versatile spreadsheet. Now, as a substitute of wading by way of particular person CRM workflows for various shoppers, the entire workforce can work from the spreadsheet to see every step at a look and to make sure that nothing is missed.

Some advisors would possibly argue that their shoppers have totally different wants they usually can’t probably create the identical agenda for each consumer assembly, however the actuality is that having an annual course of makes certain all the things that must be finished or reviewed occurs in a scientific method, no matter the truth that shoppers have totally different wants.

Whereas the core of the assembly agenda used within the annual planning course of will be pre-written to use to all shoppers, the distinctive wants and planning implications for every consumer – whether or not they contain inventory choices, a house buy, retirement, having a child, and so on. – will be added to their agendas for the conferences.

By following this method, advisors can confidently talk the worth of an ongoing monetary planning relationship by displaying prospects and shoppers how the agency’s course of is structured and that they cowl all the things in a consumer’s plan systematically. That method, every time issues come up of their lives between conferences, they are often there straight away to assist them assess the influence and determine one of the best plan of action with an correct and up to date image of their plan.

For those who loved this text, Kyle Moore can even be a speaker on the Kitces Monetary Planning Worth Summit, the place he and different advisors will go behind-the-scenes on how they reveal ongoing worth to their shoppers. More information here.

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