Without trying to make a specific forecast, it's probably safe to say financial advisors will be dealing with plenty of uncertainty in 2012. This has, after all, been a year in which market watchers have kept repeating that the "new normal" is going to be slow economic growth and high unemployment.

How you respond to this environment - in terms of your client experience and your business practices - will greatly determine how successful you are in the months ahead. Keep in mind that affluent investors have traditionally diversified not just by asset class, but also by financial advisor.

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