Justin Carboni's job in financial planning is 90% asking 'are we on track with what we're trying to do?' and drilling down on the why—when clients feel tempted to chase performance or de-risk, the key intervention is asking 'how would you have felt if the market was down 20% and you were down 22%?' to test whether the proposed action actually aligns with their risk tolerance.

factualpending

Speaker

Justin Carboni

Evidence Quote

90% of my day job is basically around are we on track with what we're trying to do... it's well it depends are are are you H like what how would you have felt... if the market was down 20 and even you know and you were down 22

Source

Practical Lessons from Ben CarlsonExcess Returns
Created: 8/11/2026, 6:21:49 AM

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