RIA — Client Behavior Coaching (Loss Aversion)

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).

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.