Name: Helping Clients to Not Make Fear-Driven Decisions
Uploaded: 2025-10-23T15:00:00Z
Duration: 1 min 7 s
Description: Aileen Schruth, a financial advisor at UBS, says her firm embraces a framework that focuses on liquidity, longevity, and legacy to help clients better allocate money for short-term and long-term needs.

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Aileen Schruth, a financial advisor at UBS, says her firm embraces a framework that focuses on liquidity, longevity, and legacy to help clients better allocate money for short-term and long-term needs.

https://m.wsj.net/video/20251023/d9123efb-c62b-4405-b302-1ce75db37cb1/1/hls/manifest-hd-wifi.m3u8

Helping Clients to Not Make Fear-Driven Decisions

How do you help clients not make a fear-driven decision? It sounds like you put the financial plan in front of them. You run multiple scenario analyses to walk them through it. But are there any sort of best practices that have worked so far?

At UBS, we have a framework called the 3Ls. It's called Liquidity, Longevity, and Legacy.

Okay.

And it's simple, but I think it makes sense and helps people really kind of think about their money in this bucketing approach. So there's the Liquidity bucket. It's the short-term funds. Longevity. It's for your lifetime. And then the Legacy is either family members, friends, or organizations you wanna benefit. And once I get my clients to the right Liquidity bucket, they can make much better decisions with their Longevity bucket, their portfolio, getting invested, staying invested. And then a discussion I have with female clients sometimes is that this Liquidity bucket can't be too big. Your fear can't drive you so much that you miss out on opportunity. There's opportunity costs, you're missing out on market returns, you need growth, you need to outpace inflation. So I think the bucketing really helps us avoid those fears.