Up until the last few months, this year was great. Rates were relatively low, and I was proactively advising clients to take advantage of the market while it was tame. However, since the market has taken a turn, it has been even more important to advise clients in a way that is transparent and focused on their specific goals. Knowing your client and knowing what their goals are will allow you to help them during a time when the market is great, and conversely at times when the market is not so great.