"This morning, I noticed a small client relatively new client, withdrew from their Roth IRA, so, drafted an email with a little help from AI. Was this correct?"

Dear Melinda,

I noticed a recent withdrawal from your Roth IRA. Please tell me more about the reasons behind this withdrawal and what you're looking to achieve.

Often, it is beneficial to discuss the potential impacts, including any applicable taxes or penalties, such as the potential additional 10% tax for withdrawals from retirement plans before age 59½, unless specific exceptions apply.

I'm here to help you explore all available options, including the exceptions, to make informed decisions and keep your financial plan on track.

Please let me know if you'd like to schedule a time to talk, or feel free to call me directly to discuss.

Sincerely, Advisor

First of all... this is the way. Following-up and staying on top of your business (and the client's) is part of what we do as Investment Advisors.

1. If clients withdraw money from their accounts without calling us first, then we need to work on improving our relationships. If they feel the need to "circumvent" us, it's probably too late. Every time a client did this to me, they eventually closed their account, but those who called me first, usually had a good reason and only withdrew partial amounts (and stayed a client). I attribute that to a great follow-up system (Client Newsletters, birthday cards, being very responsive etc).
2. The email above sounds like A.I. (not ideal). And it's too formal and too long. Be a friend and a human. Consider this...

Hi Melinda,

I noticed a recent withdrawal from your Roth IRA. I'm curious about the reasons and what you're looking to achieve - perhaps I can help.

I'd love a very brief chat, if your open to it. You can schedule a convenient time here (insert your booking service link).

Best idea: Do what other advisors won't do - CALL HER.

It can be difficult to be a prophet in your own land, so it's helpful to promote a respected higher authority.

Promote Nick Murray as much as possible to your clients, as he espouses the same philosophies as you do thus enhancing your credibility. 

Pro-tip: invoke Warren Buffet as well.

IP offers Broker/Dealer, Advisory and Insurance services and is not tied to any product sponsors, allowing us to freely choose the best investment solutions for each individual client. Note: our Group is primarily a equity-mutual fund and term insurance shop, but for some clients it is beneficial to have access to a variety of offerings. 

Here is just a small sampling of what we have on offer:

Equities, Fixed Income, ETF, Mutual Funds, 529 plans, Variable Annuities, Options. Managed Accounts, Lifetime Minimum Guarantee Income, High Net Worth insurance wraps, Opportunity Funds, Model Portfolios, Alternative Investments, Family Office, Hedge Funds, Managed Futures, Private Equity, REITs, LPs. Multi-Custodian. Private Placements, Life Insurance and Annuity Products. Investment Banking and Succession Planning Services. Asset Protection Trusts, Charitable Giving and Legal Services. Manage Bitcoin and Etherium for customers using Flourish. All types of life insurance and annuities from dozens of providers. Accident insurance, Health Insurance, Disability insurance, Auto insurance via a referral program, Mortgage referral program. Living Trusts, Land Trusts, LLCs.

RIA Platforms: AssetMark, Axos, EQIS, Interactive Brokers, Orion Portfolio Solutions, Pontera, RBC, Securitize/Anchorage Digial, US Bank, and others.

You can charge between 0% - 3% advisory fee. You also can charge per plan, and even per hour.

And much, much more.

What investment technique in tax-sheltered accounts can potentially increase the long-term rate-of-return, WITHOUT adding new money?

1. Automatic monthly draft.
2. Rebalancing.
3. Withdrawing dividends.
4. Hedging with Alternatives.
5. Market Timing.
6. Withdrawing capital gains.

Answer = 2