This is something we all know—but do our clients truly understand?

When the market drops 30%, most investors think they only need 30% to recover. In reality, they need nearly 43%—and that’s assuming they don’t panic, sell at the bottom, or go to cash out of fear.

Losses don’t just bruise portfolios—they mess with decision-making. Behavioral finance tells us that the pain of losing is twice as powerful as the pleasure of gaining.

This isn’t just about performance. It’s about planning for human behavior.

Because the best financial strategy means nothing if your client can’t stick with it when the market hits back.

Financial advisors are facing cognitive overload, with only 18% reporting they feel they are thriving (Fidelity Benchmarking Study). This Concept Spotlight explores how incorporating physical movement into daily routines enhances cognitive function, sharpens focus, and improves productivity—backed by neuroscience and real-world application. At The Endurance Plan, we believe movement isn’t just wellness—it’s a strategic tool for sustained mental performance.

Many clients still hold annuities built in low-rate environments—products that may no longer serve their long-term goals. In today’s high-interest landscape, a Retirement Refinance gives them the chance to upgrade: stronger bonuses, higher participation rates, and significantly more guaranteed lifetime income. This article explains how to help clients reposition outdated contracts into modern solutions that better match today’s rates and tomorrow’s needs. It’s not just about new products—it’s about making their retirement plan work smarter, for longer.