Last fall, Tif Joyce and his wife, Judy, left their jobs at West America Bank to run their own financial advisory firm. The pair spent the past year arduously building a client base for the business, Joyce Financial Management, which is based in Sonoma County, Calif. The initiative was, by most standards, a success; the firm now has 175 clients.

Then came the terrorist attacks of Sept. 11. And on the heels of that came Oct. 7, the Sunday when the U.S. began bombing Afghanistan.

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