Reviews and rebalancing
What you'll be able to do
Review regularly and rebalance back to target — it keeps risk in check and the relationship alive.
- Review at least annually: confirm fit, refresh KYC, act on changes.
- Portfolios drift — rebalancing restores the target risk level.
- Rebalancing enforces a disciplined 'sell high, buy low.'
A sale is the start of a relationship, not the end of a task. Periodic reviews — at least annually for most clients — are where you confirm the plan still fits, refresh the KYC, and act on anything that changed. They're a compliance expectation and the engine of retention: clients who are reviewed feel looked after, and reviewed portfolios stay suitable.
Rebalancing is a core review action. Over time, a 60/40 portfolio drifts as equities outgrow bonds, quietly raising the client's risk above what they signed up for. Rebalancing trims what's grown and tops up what's lagged to restore the target mix — a disciplined, unglamorous habit that keeps risk where it belongs and, as a bonus, enforces 'sell high, buy low.'
Frame reviews as service, not as a sales hook. Yes, they surface new needs (a raise, a new child, a maturing GIC), but leading with 'let's make sure your plan still fits your life' earns the right to those conversations. The seller who reviews diligently rarely needs to chase new business.
Key points
- Review at least annually: confirm fit, refresh KYC, act on changes.
- Portfolios drift — rebalancing restores the target risk level.
- Rebalancing enforces a disciplined 'sell high, buy low.'
- Lead reviews as service; new needs surface naturally.
Examples
After a strong few years, a client's 60/40 has drifted to 72/28 — meaningfully riskier than agreed. A review-driven rebalance brings it back to plan before the next downturn tests it.
Pitfalls
- Treating the sale as 'done' and never reviewing — risk drifts and suitability lapses.
- Using reviews purely as a sales pitch rather than a fit-check.
Ask your sales coach
In a real Adept rollout this routes to your firm's compliance-approved Claude project; in the demo it opens a fresh Claude chat. Never share real client details.