{"id":14361,"date":"2026-11-12T08:00:40","date_gmt":"2026-11-12T08:00:40","guid":{"rendered":"https:\/\/emoneyadvisor.com\/blog\/?post_type=thought_leadership&#038;p=14361"},"modified":"2026-11-05T20:58:28","modified_gmt":"2026-11-05T20:58:28","slug":"what-to-do-when-clients-dont-implement-financial-plans","status":"publish","type":"thought_leadership","link":"https:\/\/emoneyadvisor.com\/blog\/what-to-do-when-clients-dont-implement-financial-plans\/","title":{"rendered":"What to Do When Clients Don\u2019t Implement Financial Plans"},"content":{"rendered":"<div data-type=\"story-body\" data-placeholder=\"Start writing your story...\" data-pm-slice=\"2 2 [&quot;storyContainer&quot;,{&quot;storyId&quot;:&quot;436982&quot;,&quot;contentRecords&quot;:{&quot;story_id&quot;:436982,&quot;document_id&quot;:&quot;story-436982&quot;,&quot;content_nodes&quot;:{&quot;headline&quot;:{&quot;content_id&quot;:328685,&quot;format&quot;:&quot;headline&quot;,&quot;field_template_id&quot;:null},&quot;body&quot;:{&quot;content_id&quot;:328686,&quot;format&quot;:&quot;rich&quot;,&quot;field_template_id&quot;:null},&quot;custom_field_6672&quot;:{&quot;content_id&quot;:328687,&quot;format&quot;:&quot;field&quot;,&quot;field_template_id&quot;:6672},&quot;custom_field_6671&quot;:{&quot;content_id&quot;:328688,&quot;format&quot;:&quot;field&quot;,&quot;field_template_id&quot;:6671},&quot;custom_field_7663&quot;:{&quot;content_id&quot;:328689,&quot;format&quot;:&quot;field&quot;,&quot;field_template_id&quot;:7663}},&quot;available_fields&quot;:[{&quot;field_template_id&quot;:7663,&quot;name&quot;:&quot;Meta Description (appears in Resource page search results)&quot;,&quot;character_limit&quot;:150,&quot;content_type&quot;:&quot;rich&quot;,&quot;default_content&quot;:&quot;&quot;},{&quot;field_template_id&quot;:6671,&quot;name&quot;:&quot;Heart of Advice Blog Social Post #1&quot;,&quot;character_limit&quot;:null,&quot;content_type&quot;:&quot;rich&quot;,&quot;default_content&quot;:&quot;&quot;},{&quot;field_template_id&quot;:6672,&quot;name&quot;:&quot;Heart of Advice Blog Social Post #2&quot;,&quot;character_limit&quot;:null,&quot;content_type&quot;:&quot;rich&quot;,&quot;default_content&quot;:&quot;&quot;}]}}]\">\n<p>One of the most frustrating experiences in financial planning is watching a client wholeheartedly agree with a recommendation, and then <a href=\"https:\/\/emoneyadvisor.com\/blog\/build-a-foundation-that-motivates-clients-to-action\/\" target=\"_blank\" rel=\"noopener noreferrer\"><u>never act on it<\/u><\/a>.<\/p>\n<p>You know the conversation: the numbers make sense, the client understands the recommendation, and they can explain exactly what they need to do next. They genuinely want the outcome you&#8217;re planning toward together. However, six months later, nothing changed.<\/p>\n<p>After two decades in this profession, I&#8217;ve come to believe that those moments usually aren&#8217;t about the client needing one more chart or another explanation. Here&#8217;s the thing:\u00a0<a href=\"https:\/\/emoneyadvisor.com\/blog\/understanding-the-common-barriers-to-client-action\/\" target=\"_blank\" rel=\"noopener noreferrer\"><u>knowing what to do<\/u><\/a> and <em>being able to do it<\/em> are two very different things. And if we want to help our clients change their financial lives, we need to understand the difference.<\/p>\n<h2>When Understanding Still Doesn&#8217;t Lead to Action<\/h2>\n<p>Financial planning as a profession is good at giving people information; we can show a client exactly how much they need to save for retirement. We can model what happens if they retire at 62 versus 67. We can calculate how much cash they should keep on hand, how much they can comfortably spend, what they should invest, and what happens to the plan if they make one decision versus another. And all of that matters!<\/p>\n<p>But there&#8217;s another side to financial decision-making that doesn&#8217;t fit quite as neatly into a financial planning projection. Money is logical and emotional. Consider this client situation:<\/p>\n<ul>\n<li>A client can logically understand that they have too much cash sitting in checking and still feel deeply uncomfortable moving it.<\/li>\n<li>They can understand that they need to save more for retirement and still find themselves spending the money instead.<\/li>\n<li>They can know that they have more than enough money to take the trip, buy the house, help their kids, or retire\u2014and still be terrified to do it.<\/li>\n<\/ul>\n<p>None of these are math problems, and this is where I think we have an opportunity to ask a different kind of question.<\/p>\n<p>How you respond in these moments and what you say next is important. If I were talking to that client, the conversation might start like this:<\/p>\n<p><strong>Planner\/Advisor:<\/strong>\u00a0<em>\u201cLast time we talked about increasing your savings, and I noticed that hasn&#8217;t happened yet. What came up for you when you tried?\u201d<\/em><\/p>\n<p><strong>Client:<\/strong>\u00a0<em>\u201cHonestly, I kept thinking I should wait until things felt a little more settled.\u201d<\/em><\/p>\n<p><strong>Planner\/Advisor:<\/strong>\u00a0<em>\u201cOkay. What would \u2018more settled\u2019 feel like?\u201d<\/em><\/p>\n<p><strong>Client:<\/strong>\u00a0<em>\u201cI don&#8217;t really know. I just feel safer when I see more money sitting in checking, even though I know that&#8217;s not what we planned.\u201d<\/em><\/p>\n<p>This is the moment to pay close attention rather than move on. The client understood the recommendation perfectly well and wasn&#8217;t confused about what they were &#8220;supposed&#8221; to do. By listening carefully, we learned what was standing in the way: moving the money doesn&#8217;t feel safe.<\/p>\n<p>That&#8217;s a completely different problem to solve. If we respond by explaining the recommendation again, or worse, by assuming the client simply isn&#8217;t disciplined enough to follow through, we&#8217;ve missed the most important piece of information they just gave us.<\/p>\n<p>If logic and knowledge alone changed behavior, none of us would struggle with exercise, nutrition, procrastination, or any of the approximately 4,000 other things we know we&#8217;re &#8220;supposed&#8221; to do and somehow don&#8217;t. The way we behave with money isn&#8217;t any different.<\/p>\n<p><span data-thread-id=\"9a98c589-68e7-4ba9-984f-9a8c9db29953\" data-inline-thread=\"\">Our financial decisions are shaped by our habits, emotions, family dynamics, experiences, fears, and the stories we&#8217;ve absorbed throughout our lives about what money means. When a client isn&#8217;t implementing a recommendation, I&#8217;ve learned to get curious about what&#8217;s happening underneath the decision instead of immediately assuming they don&#8217;t understand the plan. In my experience, most of the time the behavior we&#8217;re trying to change isn&#8217;t actually the problem.<\/span><\/p>\n<h2>Financial Habits Are Often Symptoms, Not Causes<\/h2>\n<p>Let&#8217;s say one client repeatedly drains their savings account. The obvious problem is that they keep spending the savings, right? Maybe. But what if:<\/p>\n<ul>\n<li>Spending that money gives them a sense of freedom?<\/li>\n<li><span data-thread-id=\"5f9e84cd-14cd-407b-b131-f56c8703fd4a\" data-inline-thread=\"\">W<\/span>atching a large amount of money accumulate makes them uncomfortable because nobody in their family ever had money?<\/li>\n<li>Saving feels restrictive, while spending makes them feel like they still have choices?<\/li>\n<li>They grew up in a family where money disappeared as quickly as it came in, and they&#8217;re unconsciously recreating a pattern that feels incredibly familiar?<\/li>\n<\/ul>\n<p>Or take another client, in fact, the opposite client type: the person with plenty of money who can&#8217;t bring themselves to spend any of it. On paper, these two clients seem to have very different &#8220;problems.&#8221; One needs to spend less and the other may need permission to spend more. Those behaviors are easy to see, but what drives them usually isn&#8217;t.<\/p>\n<p>Remember, we don&#8217;t have to be psychologists. I don&#8217;t believe it&#8217;s our job as financial professionals to diagnose our clients or turn a planning meeting into a therapy session, but I do believe it&#8217;s our job to be curious. Instead of asking, &#8220;<em>Why didn&#8217;t you do this?<\/em>&#8221; we can ask, &#8220;<em>What came up for you when you tried?<\/em>&#8221;<\/p>\n<p>In my experience, getting beneath the behavior requires questions that invite reflection rather than judgment. A more useful conversation might start this way:<\/p>\n<p><strong>Planner\/advisor:<\/strong> <em>\u201cI notice the savings account keeps getting rebuilt and then drawn down again. When that happens, what usually leads to the withdrawal?\u201d<\/em><\/p>\n<p><strong>Client:<\/strong> <em>\u201cIt usually starts with something small. But once I move money over, I tell myself I can replace it later.\u201d<\/em><\/p>\n<p><strong>Planner\/advisor:<\/strong> <em>\u201cWhat does it feel like before you move the money: pressure, relief, control, something else?\u201d<\/em><\/p>\n<p><strong>Client:<\/strong> <em>\u201cRelief, probably. I don\u2019t like feeling boxed in. Spending makes me feel like I still have choices.\u201d<\/em><\/p>\n<p>That answer gives you, the financial professional, something the account history alone cannot: a clue about the meaning behind the behavior. The pattern is still financial, but the driver may be emotional, relational, or tied to a belief the client has carried for years.<\/p>\n<p>Sometimes there is fear underneath it. Sometimes there is a family story about money that has never really been examined. Sometimes a client connects spending with freedom, saving with safety, debt with failure, or wealth with responsibility.<\/p>\n<p>And sometimes they don&#8217;t know what the connection is yet, and that&#8217;s okay.<\/p>\n<p>That&#8217;s a very different question, and the answer may tell us far more about how to help that client than another financial projection ever could.<\/p>\n<h2>Why Trust Matters More Than Most Advisors Realize<\/h2>\n<p>Many years ago, I sat in a client meeting that completely changed how I thought about <a href=\"https:\/\/emoneyadvisor.com\/blog\/how-to-build-trust-throughout-the-7-step-financial-planning-process\/\" target=\"_blank\" rel=\"noopener noreferrer\"><u>trust<\/u><\/a> in financial planning. I was the associate advisor at the time, and during the meeting the client mentioned a major financial event that had happened months earlier. It was a big deal.<\/p>\n<p>Had we known about it when it happened, there were planning opportunities we could have explored. By the time we found out, some of those opportunities were gone. I remember wondering:\u00a0<a href=\"https:\/\/emoneyadvisor.com\/blog\/if-you-only-knew-what-your-clients-arent-telling-you\/\" target=\"_blank\" rel=\"noopener noreferrer\"><u>Why didn&#8217;t they tell us<\/u><\/a>?<\/p>\n<p>And the answer had nothing to do with whether the lead advisor was technically competent. He absolutely was. It was because the client had shared a business decision previously and had felt judged for it. From that point forward, the client still trusted the advisor to manage the investments. They were perfectly comfortable talking about performance and the portfolio.<\/p>\n<p>But they stopped bringing messy stuff such as the business decisions, the questions they weren&#8217;t sure were &#8220;financial planning&#8221; questions, the things they hadn&#8217;t fully figured out yet. Unfortunately, that&#8217;s often exactly where the best planning opportunities live.<\/p>\n<p>That experience has stayed with me for years because it taught me that\u00a0clients don&#8217;t share important information with people they don&#8217;t fully trust. Trust isn&#8217;t earned when someone believes we&#8217;re competent. It&#8217;s earned when they believe they can tell us the truth.<\/p>\n<ul>\n<li>Can they tell us they spent way more money than they planned to spend without getting a lecture?<\/li>\n<li>Can they tell us they&#8217;re considering selling the business, buying another one, giving a huge amount of money to their kids, quitting their job, or doing something we might not personally choose?<\/li>\n<li>Can they bring us the half-formed idea before they&#8217;ve decided whether it&#8217;s a &#8220;good&#8221; one?<\/li>\n<\/ul>\n<p>Those are the conversations where real planning can begin.<\/p>\n<h2>The Real Goal of Financial Planning<\/h2>\n<p>Financial professionals spend an enormous amount of time learning how to build better plans. But a brilliant financial plan that nobody implements is just a pretty document. Over time, I&#8217;ve become much less interested in whether a plan looks perfect on paper and much more interested in whether <a href=\"https:\/\/emoneyadvisor.com\/blog\/financial-planning-is-a-verb-not-a-noun\/\" target=\"_blank\" rel=\"noopener noreferrer\"><u>a client can actually live it<\/u><\/a>.<\/p>\n<p><span data-thread-id=\"d5c2121b-850b-4755-abfa-d283938595e4\" data-inline-thread=\"\">Clients don&#8217;t experience financial planning when we&#8217;re presenting the plan.<\/span> <span data-thread-id=\"d5c2121b-850b-4755-abfa-d283938595e4\" data-inline-thread=\"\">They experience it three months later when they automatically transfer the money before they can spend it. They experience it when they finally have the conversation with their spouse they&#8217;ve been avoiding. They experience it when &#8220;<\/span><em><span data-thread-id=\"d5c2121b-850b-4755-abfa-d283938595e4\" data-inline-thread=\"\">I think I want to retire someday<\/span><\/em><span data-thread-id=\"d5c2121b-850b-4755-abfa-d283938595e4\" data-inline-thread=\"\">&#8221; becomes &#8220;<\/span><em><span data-thread-id=\"d5c2121b-850b-4755-abfa-d283938595e4\" data-inline-thread=\"\">I&#8217;m retiring next June, and I know exactly how we&#8217;re going to make it work.<\/span><\/em><span data-thread-id=\"d5c2121b-850b-4755-abfa-d283938595e4\" data-inline-thread=\"\">&#8220;<\/span><\/p>\n<p>They experience it when a huge financial decision shows up and <a href=\"https:\/\/emoneyadvisor.com\/blog\/how-to-help-clients-with-decision-making-during-stressful-times\/\" target=\"_blank\" rel=\"noopener noreferrer\"><u>instead of feeling completely overwhelmed<\/u><\/a>, they know what questions to ask. They experience it when money gives them more choices instead of more anxiety. That&#8217;s when the plan becomes real.<\/p>\n<h2>Financial Planning Is More Than Information<\/h2>\n<p>When we talk about the future of financial planning, we talk a lot about technology. We have <a href=\"https:\/\/emoneyadvisor.com\/blog\/driving-advisor-adoption-and-engagement-how-to-maximize-your-technology-investment\/\" target=\"_blank\" rel=\"noopener noreferrer\"><u>better technology<\/u><\/a>, more sophisticated tools, and more information than we\u2019ve ever had. And I love all of those things! They allow us to do extraordinary work for our clients.<\/p>\n<p>But information itself isn&#8217;t scarce anymore. Our clients can <span data-thread-id=\"e53b09a1-8893-43cf-b6bb-75d3fef997c1\" data-inline-thread=\"\">search the internet for <\/span>retirement rules, look up tax strategies, and ask AI to explain a Roth conversion. They can pull up investment information in seconds.<\/p>\n<p>What technology cannot provide is the answer to why having $3 million in their accounts still doesn&#8217;t make them feel safe. They can&#8217;t download a spreadsheet that explains why they keep repeating the same financial pattern they watched their parents repeat. And an investment calculator can&#8217;t tell them why they have enough money to make the decision they say they want to make\u2026and still can&#8217;t bring themselves to make it.<\/p>\n<p>That&#8217;s where I believe the future of great financial planning lives. It&#8217;s not technical expertise or human understanding. It&#8217;s both.<\/p>\n<p>We need accurate <a title=\"data\" href=\"https:\/\/emoneyadvisor.com\/blog\/early-planning-data\/\" target=\"_blank\" rel=\"noopener noreferrer\">data<\/a>, thoughtful analysis, excellent planning <a title=\"technology\" href=\"https:\/\/emoneyadvisor.com\/blog\/driving-advisor-adoption-and-engagement-how-to-maximize-your-technology-investment\/\" target=\"_blank\" rel=\"noopener noreferrer\">technology<\/a>, and technically sound recommendations. We also need to understand the human being who has to live with those recommendations after they leave our office. Ultimately, our value isn&#8217;t simply giving clients more information. It&#8217;s helping them understand what that information means for them, identify what&#8217;s standing between knowing and doing, and take the right action. That&#8217;s how a financial plan stops becoming something we create for a client, and becomes something they can actually put into practice.<\/p>\n<p>Learn more about helping clients act on their financial plan in<strong>\u00a0<\/strong><a href=\"https:\/\/emoneyadvisor.com\/blog\/the-advice-gap-when-great-financial-plans-fail-to-drive-action\/\" target=\"_blank\" rel=\"noopener noreferrer\"><strong><u>The Advice Gap: When Great Financial Plans Fail to Drive Action.<\/u><\/strong><\/a><\/p>\n<p><strong>DISCLAIMER:<\/strong>\u00a0The Heart of Advice Blog is meant as an educational and informative resource for financial professionals and individuals alike. It is not meant to be, and should not be taken as financial, legal, tax or other professional advice. Those seeking professional advice may do so by consulting with a professional advisor. eMoney Advisor will not be liable for any actions you may take based on the content of this blog.<\/p>\n<p>The views and opinions expressed by this blog post guest are solely those of the guest and do not necessarily reflect the opinions of eMoney Advisor, LLC. eMoney Advisor is not responsible for the content, views or opinions presented by our guest, nor may eMoney Advisor be held liable for any actions taken by you based on the content, views or opinions of the guest.<\/p>\n<\/div>\n","protected":false},"author":396,"featured_media":14366,"template":"","tags":[],"thought_leadership_cat":[95,92,94,97],"class_list":["post-14361","thought_leadership","type-thought_leadership","status-publish","has-post-thumbnail","hentry","thought_leadership_cat-advisor-perspectives","thought_leadership_cat-client-experience","thought_leadership_cat-financial-planning","thought_leadership_cat-financial-psychology"],"acf":{"left_sidebar_ads":false,"right_sidebar_ads":false},"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v28.8 - 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