Advisers often fear losing clients, but the real risk may be those who stay disengaged. Morningstar research found just 6% of clients left their adviser, yet 94% showed signs of disengagement, clients who stay on the books but no longer grow with the practice, refer others, or fully trust advice. Small missteps like using jargon, slow follow-up, or not aligning with client values can erode trust. Minor changes can re-engage clients and rebuild strong relationships.