“Now, Bill, I know you said before that you’re worried about your retirement in terms of Social Security not …” and so forth, and then you’re going to raise the level of pain by asking your prospect what they think is going to happen with the situation if they fail to take action to fix it. Using an empathetic tone, you would say: “Bill, let me ask you a question. Given how things have been deteriorating over the last twelve months, where do you see yourself in a year from now? Or, even worse, five years from now? Are things going to be even more intense, in terms of all the sleepless nights
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