Your Financial Behavior Officer (FBO)
Helping financial advisors deepen client relationships and elevate their practice.
Give clients the clarity they need to align their money with what matters most
Do you feel equipped to handle the emotional side of financial planning?
When clients face life’s biggest financial decisions, it’s not just about the numbers—it’s about their fears, emotions, and family dynamics. A financial behavior officer can help you navigate these complex client emotions and turn difficult conversations into opportunities for deeper connection.
When a client’s emotions start to take over during a high-stakes financial decision?
Navigating sensitive family dynamics that impact estate planning or wealth transfers?
When a client’s money mindset is blocking them from taking action on your advice?
Level up, go deeper, and understand why your clients THINK. FEEL. DO.™
Partnering with a financial behavior officer can help you navigate these complex situations and emotional roadblocks, allowing you to step in and help clients make clearer, more confident financial decisions. We do it in just three steps.
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You will gain a Certified Financial Behavior Specialist® as part of your team to help navigate those difficult and sensitive client scenarios around money and give clients the clarity they need. This paves the way for you to step in as the trusted advisor and guide them through those big financial decisions faster.
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You may feel the systems you have in place now are working just fine, but the goal here is to take your clients’ experience from good to great. This includes client touch points, client resources, and facilitation of client meetings where needed to help you level up and enhance their overall experience.
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This is when most advisors and clients feel settled into this new routine and when a new-found intimacy and familiarity is built. Most don’t want to stop a good thing, so I’m here for as long as you want me as part of your trusted team.
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Hi Im Ashley Quamme your Financial Behavior Officer (FBO)
You know those client meetings I'm talking about...
The one where everything looks perfect on paper but your client is hesitant and you may not know how to address their concerns or navigate the situation from there.
As a therapist and Certified Financial Behavior Specialist®, I've learned something fascinating: It's rarely about the numbers - so we need to go deeper. My background as an Licensed Marriage and Family therapist (LMFT) gives me a unique perspective, allowing be to help advisors tackle complex issues while empowering them to serve their clients in ways that go far beyond numbers.
Together we can give clients the clarity they need to align their money with what matters most.
The single most impactful decision we've made to level up our service was hiring Ashley Quamme from Beyond the Plan® as a fractional financial behavior officer.
Emily Rassam
Partner at Archer Investment Management
Frequently Asked Questions
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A: A financial behavior officer operates across three critical dimensions within advisory firms: client-facing, advisor-facing, and firm facing responsibilities all aimed to helps financial advisors navigate client emotions, behavioral biases, and sensitive financial conversations. By integrating psychology into financial planning, they help advisors strengthen client relationships, improve decision-making, and enhance overall client satisfaction.
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A: Financial psychology helps advisors understand the emotions and behaviors that drive client decisions. By incorporating behavioral insights into your practice, you can foster deeper trust, guide clients through financial transitions, and improve their long-term financial outcomes.
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A: Your clients gain greater clarity, confidence, and emotional support when making financial decisions. A specialist helps clients navigate difficult topics like wealth transfers, financial infidelity, and generational planning, leading to more productive and meaningful financial discussions.
