Frame It Right: A Simple Shift That Changes Client Behavior

Sep 17, 2025

Many financially ready clients hesitate to retire, caught in a cycle of chasing more bonuses. The key isn't just numbers; true wealth encompasses time, health, connections, and purpose. By utilizing Sahil Bloom's five wealth types, advisors can help clients see the broader implications of delaying retirement. This shift in focus allows for discussions that prioritize fulfillment over mere financial security. Discover how reframing decisions can lead to a more balanced and enriching retirement journey.

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ADVICE

Reframe Decisions, Don't Push Them

When clients stall on decisions, change how you frame trade-offs instead of pushing conclusions.
Use different scorecards to reveal invisible costs and shift their perspective toward living well.

INSIGHT

One Scorecard Traps Clients

Many clients delay retirement because they judge decisions on a single financial scorecard that always improves with more work.
James Canole argues advisors must broaden the definition of wealth beyond portfolio projections to reveal hidden trade-offs.

ADVICE

Use Five Wealth Types To Reframe

Use Sahil Bloom's Five Types of Wealth to reframe client conversations beyond money to time, physical, mental, and social wealth.
Prompt clients to compare gains in financial wealth against losses in other wealth types when deciding to keep working.

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Have you ever had a client who was financially ready to retire but just couldn't pull the trigger? They keep working, chasing one more bonus, one more year of 401(k) contributions, watching their financial projections climb higher while their actual life satisfaction stagnates.

Listen as James unpacks what makes someone financially ready to retire, but emotionally stuck. In this episode of Root Ready, he shares with you why so many people keep working long after the numbers say they can retire.

Drawing from Sahil Bloom’s "Five Types of Wealth" framework, James explains why money is only one piece of the retirement puzzle. True wealth includes time wealth, physical health, social connection, and mental purpose. Without these, a retirement full of money can still feel empty.

James shares how advisors can help clients reframe decisions by looking beyond financial projections. The goal isn’t to push someone into retirement, but to shine a light on the invisible trade-offs—like time lost, health risks, or strained relationships—that come with chasing one more year of work.

By broadening the conversation beyond dollars, advisors can guide clients toward lives of fulfillment, not just financial security.

Listen now to discover how to transform retirement planning into a holistic conversation about living well, not just retiring well.

Advisory services are offered through Root Financial Partners, LLC, an SEC-registered investment adviser. This content is intended for informational and educational purposes only and should not be considered personalized investment, tax, or legal advice. Viewing this content does not create an advisory relationship. We do not provide tax preparation or legal services. Always consult an investment, tax or legal professional regarding your specific situation.

The strategies, case studies, and examples discussed may not be suitable for everyone. They are hypothetical and for illustrative and educational purposes only. They do not reflect actual client results and are not guarantees of future performance. All investments involve risk, including the potential loss of principal.

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Participation in the Retirement Planning Academy or Early Retirement Academy does not create an advisory relationship with Root Financial. These programs are educational in nature and are not a substitute for personalized financial advice. Advisory services are offered only under a written agreement with Root Financial.