Morningstar - Q2 2023 - 70
Investors
A Focus on Transitions
Advisor Allison Berger's niche is
helping clients shoulder the burden of
life's changes.
Charles Keenan
USER PROFILE
Roughly 20 years into her career as a financial advisor,
Allison Berger has carved out her niche. The
certified financial planner, based in Raleigh, North
Carolina, serves clients going through a transition-
for example, clients nearing or in retirement.
" There's so much value we can add in that phase of
life, when people have to make a lot of critical
decisions, " Berger says. " So, how they manage that
effectively and reduce the risk of mistakes during
that major life transition makes a big impact. "
Any major life transition can be a heavy burden for
clients and a challenge for advisors. Last year,
Berger added the designation of certified financial
transitionist, or CeFT, a credential that recognizes
coursework offered by the Sudden Money Institute.
The organization's training covers neurology,
sociology, and psychology to help financial
advisors steer clients through the technical and
personal sides of major life transitions involving
money. Financial advisors can hit a wall with
clients if they can't work with the human element
of the relationship, Berger says.
" It's the personal side that drives the decisionmaking, "
she says. " The personal side has
veto power, so if you don't have the emotional
buy-in of the client, they might not be able
to commit to a financial plan. "
Transitions can include having children, losing a
spouse, or selling a business. Even moving
across town can be a stressful transition. In 2015,
Berger and her husband decided to give up
their dream home to reduce their commuting
times and improve their quality of life.
70
Morningstar - Q2 2023
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Morningstar - Q2 2023 - Contents
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