At times, financial advisors fall into ruts. At worst, you can get mired so far in conventional thinking that you may miss planning opportunities to help clients live better.

For example, what creative techniques are you using to help retired clients age 70+? After saving money for 30-40 years, some of these people landed in retirement just before a devastating bear market, followed by historically low interest rates. The stock market reduced their nesteggs while making them scared to death to take more risk. Now, many have retreated to short-term CDs, where a million dollars barely yields enough interest to buy groceries.

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