How many people do you know that have what’s called ‘safe money’? Your clients might refer to ‘safe money’ in different terms, but the bottom line is clients having money/assets safe from environmental and economic disaster or depletion. There are many reasons clients want to maintain this ‘safe money’, such as: for a rainy day, to help support family members or themselves during inevitable health decline, future dreams and goals, a charity, or a well-deserved trip…when it’s safe to travel again. Whatever the reason, people have gotten nervous about their future money, and with that nervous behavior, have pulled money out of different saving vehicles. It is now sitting somewhere, not collecting a return on investment, because they are afraid of “losing” that since of security. Most simply don’t know what to do. They are suffering from ‘paralysis by analysis’.