$124 Trillion will Change Hands.
70% of advisors lose the relationship after a spouse passes.
Check Your Attrition Risk Today
$124 Trillion
Will Change Hands.
70% of advisors lose the relationship after a spouse passes.
Check Your Attrition Risk Today
The Trillion Dollar Closure Connection
You’ve spent your career earning your clients’ trust, guiding them through life’s biggest financial milestones and helping them build lasting wealth. But when the inevitable happens and that wealth transfers to the next generation, will their heirs trust you the same way?
The Trillion Dollar Closure Connection reveals how to turn life’s transitions into your most powerful opportunity for growth. It’s more than a book; it’s your roadmap to deeper relationships, greater retention, and sustainable success in the era of the Great Wealth Transfer.
You’ll discover:
How to protect your hard-earned relationships when assets change hands and new decision-makers step in
Why emotional connection is the new competitive edge that builds loyalty across generations
A proven framework to future-proof your business by transforming client conversations into meaningful, lasting partnerships
Written by Heidi Struve Currey and Mikalee Byerman
Seasoned leaders with decades of combined experience in the financial industry, communication, and leadership development. Heidi spent 21 years as a financial advisor, sales leader, and corporate executive before cofounding First40. Mikalee is an award-winning author, strategist, and sought-after national speaker. Together they bring real-world insight, practical strategies, and empowering tools to help advisors strengthen client relationships across generations.
Workshops & Training
That Transform Client Relationships
Strengthening client relationships isn’t about numbers, it’s about connection. Our interactive programs are designed to help advisors go beyond traditional client engagement, giving you tools to foster trust, loyalty, and lasting referrals. Each experience combines emotional intelligence with practical business strategies, helping you build bridges across generations and create genuine, human-centered growth.
Client Workshops
Deepen relationships with your clients and their loved ones through engaging, interactive workshops.
Advisor Training
Equip yourself or your team with the mindset and methods to thrive in the new era of relationship-driven advising.
Keynote Speaking
We deliver practical strategies that empower advisors to thrive through meaningful connections, clear communication, and purposeful action.
What Advisors Are Saying
“WOW! Thank you for such a sincere, thoughtful and informative presentation! It was clear that our clients and advisors found so much value in the content from their level of engagement and focus. What was most impressive, is how once the presentation ended, everyone stayed seated fully engaged in conversation for at least another half hour! Advisors and clients alike came up to us after to thank us for this opportunity and booked several client appointments on the spot. This was a perfect event for our FAs and I will be sure to share wins as they come through.”
Upcoming Events
Stay ahead of the $124 trillion Great Wealth Transfer
Create Your Own Closure Map: Avoid an End-of-Life Scavenger Hunt
February 16 – Virtual
A virtual session focused on preparing your personal closure map to avoid an end-of-life scavenger hunt.
Legacy Living: Conversations Worth Having Now
February 25 – Orange County, CA
A conversation-centered event exploring how to thoughtfully prepare for life’s most meaningful transitions.
These are private events, but we welcome booking inquiries. Feel free to contact us.
The $124 Trillion Risk Meter
Advisors face a common challenge: retaining clients as wealth passes to the next generation. Nearly 70% of widows switch advisors within a year, and only 19% of heirs stay with their parents’ advisor, costing billions in lost relationships. Our Risk Meter shows your firm’s potential exposure and highlights ways to strengthen loyalty before transitions. Discover your risk level and learn simple actions to protect relationships and secure a share of the $124 trillion Great Wealth Transfer.
How It Works?
Answer quick questions about your client base and engagement practices.
Receive your personalized Attrition Risk Score. See where you’re most exposed.
Discover next steps to retain clients and deepen multigenerational relationships.
Client Attrition & Revenue Loss Calculator
Calculations assume client loss rates and revenue per client remain constant over time. Calculator is for illustrative purposes only.
Create Your Own Closure Map
Life can change in an instant, but preparing for it doesn’t have to be hard. The Closure Map Workbook guides you through 40 simple, meaningful steps to organize your plans, reflect on your memories, and document what matters most. Work at your own pace as you turn uncertainty into peace of mind and create a lasting roadmap for yourself and your loved ones.
You’ll discover how to:
Organize your essentials: safely compile passwords, key contacts, and important documents all in one place.
Preserve your story: capture the memories, traditions, and recipes that define your legacy.
Plan with confidence: create practical checklists to guide conversations with loved ones, advisors, and attorneys.
Tools & Resources to Help You Take Action
Featured Tools
These hands-on resources are designed to support both clients and advisors as they navigate legacy planning, communication, and connection.
Each tool brings emotional intelligence and structure to what can often be difficult or avoided conversations, transforming them into opportunities for trust and clarity.
Closure Map Workbook
A guided workbook that helps clients organize their stories, wishes, and key details, creating clarity and peace of mind for everyone involved.
Closure Encounters Card Deck
An engaging deck that sparks honest conversations, laughter, and deeper emotional connections among clients and their loved ones.
The Map Walk
Step-by-step guides that make it easy for advisors to lead meaningful workshops and family sessions with confidence.
Contact Us!
We’d love to connect. Send us a message using the form and we’ll be in touch soon.
How Much Are You Leaving on the Table?
Discover your attrition score before we talk!
Articles & Insights
Top Tips for Celebrating National Caregiver’s Day — from a Former Caregiver
Former First Lady Rosalynn Carter once said, “There are only four kinds of people in the world: those who have been caregivers, those who are currently caregivers, those who will be caregivers, and those who will need caregivers.” Today is National Caregiver’s Day, a day to recognize and appreciate the
Stuff Is Just Stuff — Without Stories
At First40, we fiercely advocate for documenting our memories — writing down in your own words (or better yet, speaking in your own voice) the backstory of important moments, heirlooms, or traditions. So today I want to thank Trish, a recent workshop participant, for sharing her family’s beautiful legacy story
The Living Legacy Workshop Review
“The Living Legacy workshop helped me connect more deeply with my faith-based clients as they shared their first and favorite stories with me. The workshop allowed them to open up about sentimental moments in a fun environment.”
Melanie M. Financial Advisor