We are frequently asked how often advisors are required to meet with their clients.

While there’s no formal rule, the best advice is simple – check in with clients at least once every one to two years. This isn’t about regulatory compliance, it’s about staying relevant, being proactive and genuinely helping your clients through meaningful advice.

Life Changes, And So Do Financial Needs

People's lives are in constant motion. Jobs are gained and lost. Marriages begin and end. Children grow up and move out; or move back in. Clients may experience life changes such as:

  • Career transitions, impacting income, benefits, or retirement savings
  • Divorce or remarriage, with financial consequences
  • Downsizing or upsizing homes and “toys”, depending on lifestyle shifts or financial priorities
  • Health issues, requiring access to cash or long-term care planning
  • Retirement goals, which evolve with age, opportunity, or interest

And, people are living longer, are leading increasingly complex lives, with evolving insurance and financial needs. These changes are often subtle and can sometimes be sudden. The only way to keep up and remain aligned with their goals is through regular, open conversations.

Why Proactive Engagement Matters

Addressing uncomfortable possibilities like job loss, illness, or family breakdown isn’t easy but it is essential. Your role isn’t just in selling policies. It is helping clients plan for the unexpected, adjust when life changes, and feel secure about their future.

Some clients naturally engage in the advisory relationship. They schedule regular reviews, share goals and concerns, ask questions, and communicate openly. Others are more passive or even resistant, until something goes wrong. Missed service dates, poor investment returns, unmet or unclear expectations can quickly erode trust, potentially leading to complaints, legal action or regulatory inquiries.

Clients Deserve More Than a Policy

Delivering fair treatment and exceptional service goes far beyond product selection. True client care means understanding clients at every stage of life, anticipating their needs, and delivering solutions that fit both their financial and emotional realities.

By committing to regular, relationship-driven service, you not only protect your clients, you build trust, loyalty and the foundation for a stronger, more sustainable practice.

So, ask yourself:  What’s new with your clients? When was the last time you found out?

Stay connected – Stay proactive – Watch your relationships and business thrive!