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Review season is when clients bring their whole lives into the room — an aging parent, a home sale, a Medicare question, a trust that needs another look. When Tight Ship is already part of the strategy, the advisor walks in knowing the year: the bonus, the job change, the new house, the change in health or family. Here's how that depth of insight makes the annual client review more meaningful and how teams can bring Tight Ship into this season's meetings.

Wealth managers are addressing the critical gap in client visibility. Burn rate and other domains create expensive failures that will cripple even the best portfolio strategy.

Ruin rarely comes from a bad average return. It comes from a bad order. Sequence of returns risk decides whether a wealthy household survives a rough market, but the withdrawal rate decides how much damage it can do. And the withdrawal rate is just spending: the one end of portfolio risk a household can actually control.