Human-centric Investing

Human-centric investing.

Human-centric investing means understanding the behaviors, motivations and eccentricities of your clients, not just the market.

Latest Posts

Human-Centric Investing Podcast:
Turning Financial Education into Action

Personal finance expert Farnoosh Torabi and Professor David Laibson of the Harvard University Economics Department talk about how behavioral economics can help financial advisers better serve their clients. The podcasts, produced by Bloomberg Media Studios, are sponsored by Hartford Funds.

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Human-Centric Investing Podcast:
Breaking the Habit of Putting Off Hard Decisions

Personal finance expert Farnoosh Torabi and Professor David Laibson of the Harvard University Economics Department talk about how behavioral economics can help financial advisers better serve their clients.

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Human-Centric Investing Podcast:
The Science of Choice Architecture

Personal finance expert Farnoosh Torabi and Professor David Laibson of the Harvard University Economics Department talk about how financial advisers can use the science of choice architecture to structure the way their clients make choices, helping them arrive at better outcomes.

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Behavioral Economics vs. Traditional Economics: What is the Difference?

Vicki Bogan | Behavioral

Making decisions based only upon recent information compared to all of the available data can often lead investors to think current trends are the best predictors of what will happen next.

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Making the Leap from Optional to Essential Partner

Tim Sanders | Likability

When your clients know how much you care about them...they’ll never consider replacing you with faster-better-cheaper advances...

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Women Over 50, Divorce, and Investing

Kristy Archuleta | Couples

Regardless of whether they were part of the financial planning process or the day-to-day management of the household finances, advisors will likely need to help give women a boost in confidence.

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Being There: How Female Advisors Can Distinguish Themselves From Their Male Counterparts

Gail Blanke | Women

I believe that women can have a real competitive edge in personal financial planning. We build such good relationships with people, and of course, that is really the key.

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Talking Politics with Clients

Barbara Nusbaum | Emotions

As long as you stay in your role as financial advisor, talking about politics could be helpful and supportive to your clients, and beneficial to your relationship.

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Talking Politics with Clients: Handling Heated Conversations

Barbara Nusbaum | Emotions

Talking politics with clients can feel like the third rail. It can be tough and nerve-racking. Yet political conversations are close to inevitable these days.

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Financial Fallacies Explained: The Hot Hand Fallacy and the Gambler’s Fallacy

Vicki Bogan | Behavioral

Making decisions based only upon recent information compared to all of the available data can often lead investors to think current trends are the best predictors of what will happen next.

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Earning Loyalty, Trust, and Business from Female Investors

Gail Blanke | Women

But little things mean a lot to women. And it’s the little things that can determine whether you’re good at winning — and keeping — high-powered, successful women as clients.

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Siblings and Parental Death

Kristy Archuleta | Couples

Be prepared to show empathy to the siblings. Empathizing with siblings during this difficult time in their life is crucial.

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Putting People Together Who "Should Meet"

Tim Sanders | Likability

When you approach networking as a prospecting event, you usually walk away empty-handed and come across as pushy or “me-focused.”

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The Mountaintop: Designing the Future For Your Female Clients

Gail Blanke | Women

Women are captivated by what difference money can make and even what joy it can bring to others; in other words, what the money is for.

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Setting the Table for Success

Tim Sanders | Likability

To create something valuable, you need to think through each stage of its creation, tackling every obstacle along the way.

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Managing Couples Impacted by the Reverse Breadwinner Effect

Kristy Archuleta | Couples

When women financially contribute more to the household than their husbands, especially when children are present, they are more likely to engage in money arguments.

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Women-Centric Investing: Changing the Conversation to Attract and Keep Female Investors

Gail Blanke | Women

You may have learned in your career that women, unlike men, aren’t interested in amassing money for its own sake... they are interested in what the money is for, what difference it will make, and what joy it will bring to others.

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The Different Faces of Familiarity Bias

Vicki Bogan | Behavioral

Familiarity bias is the tendency for individuals to be more comfortable with what’s familiar, dislike ambiguity, and look for ways to avoid the unknown.

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The Value of a Money Genogram

Barbara Nusbaum | Emotions

The money genogram is a tool that motivates change — a willingness to make a new decision or take a new action.

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Unmarried Millennials and Money

Kristy Archuleta | Couples

Millennials tend to believe that being financially stable is a requirement of marriage.

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Protecting Your Engine of Success: Client Relationships

Tim Sanders | Likability

You should never assume that consistent financial performance will preserve relationships over time — much of what you’ll need to manage is client emotions.

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Advising from the Space In-Between: Bridging Your Client’s Internal and External Money Lives with a Learning Conversation

Barbara Nusbaum | Emotions

So what does it mean to “advise from the space in-between”? It means you are aware of, speak to, and bridge your clients’ internal and external lives.

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Risk Aversion vs. Loss Aversion: What is the Big Difference?

Vicki Bogan | Behavioral

As an advisor, it is important to recognize that loss aversion can influence your clients to manage the investments in their portfolios in a suboptimal way.

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Helping Clients Manage Their Money Disorders

Kristy Archuleta | Couples

People with money disorders have maladaptive beliefs about money that hinder their ability to change what they are doing with their money.

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Applying a Personal Touch

Tim Sanders | Likability

Personalization and high-touch service is as critical to success as ever.

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When Roles Reverse: Caring for Mom or Dad

Barbara Nusbaum | Emotions

Plenty of families have challenges just being together at the dinner table, let alone planning for long-term, resource-gobbling, upsetting events like parental aging.

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How to Deal with Clients Who Avoid Risk When They Shouldn’t

Vicki Bogan | Behavioral

Understanding, retaining, and controlling risk is vital for savvy investors to create an optimal portfolio.

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Helping Couples Build Strong Financial Bonds

Kristy Archuleta | Couples

Getting a client couple to talk with you about their financial lives should help you develop a long-lasting, trusted relationship.

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Understanding the Differences Between Male & Female Investors

Vicki Bogan | Behavioral

It is clear that men and women investors differ in their risk aversion, confidence, and preferences.

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Kids, Values & Money: How Advisors Can Help Parents

Barbara Nusbaum | Emotions

Parents want their kids to have good values, but worry they don't know how to teach them.

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Your One Chance to Make a Second Impression

Tim Sanders | Likability

In professional situations, I've found the second meeting can be the hardest of all.

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Are the Best Financial Advisors Like Mood Rings from the 1970s?

Kristy Archuleta | Couples

Potential clients may tell you one thing while they feel something else altogether.

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High Touch Service for a High Tech World

Tim Sanders | Likability

The move to digital services likely creates an atmosphere of confusion and misunderstanding.

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When Financial Therapy is the Answer for Married Clients

Kristy Archuleta | Couples

Couples go to their marriage counselor and talk about money and go to their financial advisor to talk about their marriage.

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The Art of Unteaching

Tim Sanders | Likability

Too much information can lead to buyer overwhelm, which ends up in a ‘no-decision’ result.

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What Every Advisor Needs to Know About Hyperbolic Discounting and Why

Vicki Bogan | Behavioral

Hyperbolic discounters make choices today that, in the future, they wish they had not.

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Leave Emotion Out of the Conversation at Your Own Risk

Barbara Nusbaum | Emotions

Emotions in financial planning are always far more powerful movers and shakers than we allow for.

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