'Twas the Day Before Christmas

’Twas the day before Christmas, yes, winter is here.

The days have grown shorter and year-end is near.

My staff is now gone, they deserve time away

I’m here all alone, till the end of the day.

Why am I here, working late, you might ask,

Instead of a bar, as they tap a fresh cask? 

Most clients are planners, for I’ve trained them well,

But there’s always one, with stocks they must sell.

From out on the walkway, a ring of my bell,

I feared in my bones, this would not end up well.

This client was grinchy. Of fees he would rant,

“You hereby are fired!” he said with a pant.

“I had a good year, my problems were few,

“Investing is easy, and I don’t need you.”

Advisors’ dilemma: When things go too well,

Some think we add nothing, no product to sell.

This guy is a grinch, making Christmas Eve tough,

Our bond can be saved, but today will be rough.

It’s been a good year, but you haven’t a clue,

Of so many things I am doing for you.

Come sit for a moment, and I’ll have my say,

Then you can decide, if you’ll walk away.

“OK,” said the grinch, “it sounds fair to me,

But I’m telling you now, I watch CNBC.”

You made money in stocks, your return it was grand,

But that only happened when I held your hand.

You wanted to sell, when September came calling,

I said if you bail, you might find yourself bawling. 

You put up a fuss and you went on attack,