冠状病毒大流行的经济后果尚不清楚，金融市场何时触底也不清楚。但考虑到企业和就业受到的冲击，多数经济学家表示，经济衰退几乎是肯定的。财务咨询业务尤其脆弱。许多主要经营的独立公司只是在过去十年牛市的上升趋势下经营业务。
这些顾问在2008年的经济大萧条期间拓展了业务。我们问他们从那次衰退中吸取的商业教训，因为我们很可能正处在另一次衰退的悬崖上。
Brent Bodeski，Savant Capital首席执行官
We did not stop hiring back then, nor did we fire or lay off anybody. It was scary because our profit margins were under more pressure, but the goodwill that we created with our team and our clients was most important and paid off.
上一次，其他顾问去了山上，天黑了，客户感觉到了。我们深耕其中，我们加大了沟通、营销支出，我学到的是，通过非常现身说法，不脱气，我们在客户中建立了很多良好的意愿。有很多客户听了萨凡特的话，听了我们的营销努力，在接下来的三年里，我们实际上获得了大量的业务，并接受了这种疯狂，向前迈进。
Pat McClain，Allworth Financial联合创始人兼高级合伙人
The last crisis we did have a hiring freeze and we went through the expense line of the whole business. If you think about our business, most advisors will work on a 30% to 40% margin and the assets under management comes right off the top, so the margins are compressed.
We didn’t furlough anyone, but we pulled back on the marketing budget and tech spend and all capital improvements, and we are doing the same now. You want to make sure on the back side of it that you are healthy. The last thing you want to do is lay people off because there is going to be a recovery, and this is a service business that is built around good quality people.
If you do touch people, you don’t want them to be client facing because there needs to be that consistency in the client experience; your firm can’t look like it’s struggling. This is the fourth one I’ve been through—it is steeper and faster than the previous ones, but we learned what the recovery should look like.
David Barton，美世顾问公司副主席
在市场急剧下滑，从而导致收入下降的时候，你必须注意自己的业务健康，否则就有可能失去它。在2008年开始的经济大萧条期间，我作为美世顾问公司（merceradvisors）的首席执行官有过这样的直接经历，那是一场持续了5年的严重衰退。
The last thing you want to do is lay people off because there is going to be a recovery, and this is a service business that is built around good quality people.
My immediate plan of action was to temporarily suspend all new spending of any kind, whether capex, new hires, raises, etc., including all discretionary spending, like marketing events designed to win new clients.
在危机时刻，你专注于留住你的客户，把他们的需求放在首位，同时保持员工士气。在团结成一个“团队”的过程中，我们在风暴中幸存了下来，成为了一个更好、更强的公司，我们用烈火锻造的团队精神诞生了。我发现，我是为暴风雨而生的。
Peter Mallouk, CEO of Creative Planning
上一次我们雇佣了很多人。本周我们将对员工进行面试，并向我们的团队承诺，我们将在数年内保持每个人的就业机会。这让我们的团队有信心向前迈进的自由。
在危机时刻，你专注于留住你的客户，把他们的需求放在首位，同时保持员工士气。
From our perspective we want to be an organization where people feel very confident that we care about them and want to do the right thing for them. We made sure that we have enough money set aside to cover our team as long as we wanted.
Paul Saganey, President and Founder of Integrated Partners
实际上，我们正在积极招聘业务和CPA计划支持的队友。否则，人员或预算不会发生变化。
在操作上，我们学会了如何更有效地使用技术。与2008年相比，通过网络研讨会、电子邮件活动和视频通话，我们在这一时期的沟通效率大大提高。事实上，我们建立了自己的营销公司，这显然是为了让我们的顾问、注册会计师以及他们的客户迅速掌握信息。有150名顾问和127名注册会计师，每天都在努力满足客户的需求，他们之间精简沟通的能力至关重要。
另一个重大转变是，我们都可以在偏远地区如此有效地工作，而2008年的情况并非如此。
