RIA — Client Behavior Coaching (Loss Aversion)

SKILL.md

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name: ria-client-behavior-coaching
description: "Activate when: a market drop has clients wanting to sell; framing performance reviews; onboarding risk tolerance; 'clients panic in downturns,' 'how do I keep them invested?'. Do NOT activate when: a genuine plan change is warranted (don't rationalize a real problem away)."
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# RIA — Client Behavior Coaching (Loss Aversion)

> **Industry front door for loss-aversion-prospect-theory.** Adds domain triggers, example, packs only. Parent Process unchanged.
> **Not investment advice.**

**Activate when:** a market drop has clients wanting to sell; framing performance reviews; onboarding risk tolerance; "clients panic in downturns," "how do I keep them invested?"
**Do NOT activate when:** a genuine plan change is warranted (don't rationalize a real problem away).

## Why this variant
The parent loss-aversion-prospect-theory shows losses loom ~2× gains and that framing drives choices. An RIA's biggest value-add (and retention lever) is preventing clients from selling low. Coaching = re-framing and pre-committing against predictable behavioral errors.

## Domain inputs → parent's Process
- **Pre-commit:** set the response to a drawdown in the IPS *before* it happens (rebalance, don't flee).
- **Reframe:** show goal-progress and time-diversified odds, not daily P&L; frame in dollars-to-goal.
- **Reference points:** avoid anchoring clients to the peak; anchor to plan and funded-ratio.
- Distinguish behavioral panic from a real plan change (don't over-suppress legitimate concerns).

## Worked example
–20% quarter; client emails "get me out."
→ Loss aversion at work. Coaching: revisit the pre-agreed IPS drawdown policy, reframe to funded-ratio and historical recovery odds, execute the *planned* rebalance. Selling now converts a paper loss to permanent. Retention + fiduciary care both served.

## Packs
- **Solo:** drawdown-communication script + IPS pre-commitment clause.
- **Advisory:** proactive down-market outreach cadence (contact before they panic).

## Red flags
- Reacting to client emotion with a portfolio change that isn't in the plan.
- Reporting that emphasizes short-term P&L.
- No pre-agreed policy for downturns.

## Verification
- [ ] Downturn response pre-committed in IPS
- [ ] Reframe to goal/funded-ratio prepared
- [ ] Panic vs real-change distinguished
- [ ] Proactive outreach before client initiates

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Part of **deciqAI Knowledge Skills**. Core method: loss-aversion-prospect-theory.

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*Part of **deciqAI Knowledge Skills** — 189 open-source thinking skills that make rigor executable for AI agents. The same skills power every deciqAI agent, which runs them autonomously to operate your company. **See it run → https://www.deciqai.com/c/ria-client-behavior-coaching** · ⭐ Star the repo → https://github.com/deciqAI/knowledge-skills · Contributions welcome.*