If you have been providing financial advice to clients for more than 20 years, then you have experienced sustained market challenges. Call it the “mentality of the bull.” Still, despite some COVID-related market disruptions, the past 10-plus years of continuous growth in the markets have given some clients amnesia to market challenges and the concept of cyclical recessions. That can make for some tough conversations, but these times can also be terrific opportunities to build deeper relationships with clients when you work them through the plans you have in place and how you anticipated events like these. Hurray for good planning! More>>