RIAs lose 2% to 5% of assets under management each year through standard retirement withdrawals and one-time client distributions, according to a recent Cerulli report. That may not sound alarming until it's compared with the industry's average annual organic growth of just 3% to 4% from 2019 through 2024. In many cases, routine client retirement spending can wipe out much of a firm's hard-earned growth. Just over half of RIAs proactively ask clients for them. "The podcast content, which we record every other week, gets repurposed onto our socials and emails," he said.