From our early childhood days, we are taught that expressing gratitude is simply a matter of good etiquette. Yet, many financial advisors fail to realize that expressing gratitude is an important part of the prospecting process.

While market bulls are understandably cheering the ongoing equity rally off of 2009 lows, the recent climb of the Dow Jones Industrial Average to record highs is creating a quandary for advisors.

Professional ice hockey star Wayne Gretzky once said the secret to his success was anticipating where the puck was going in order to get an ideal location on the rink rather than reactivley chasing the puck with hopes of out-skating other players.