Client Lifetime Value
From a fast estimate to a full segment analysis — one tool
Two modes in one tool: a Quick Estimate scratchpad (basic CLV + NPV, editable segments, priority ranking) for a fast number, and a Full Analysis (NPV with retention survival curve + servicing cost) over your real assessment segments — with retention-impact and acquisition-budget modeling.
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The Problem This Solves
You're charging the same fee schedule across your whole book, but you can't see which client segments actually generate the most lifetime value versus what they pay you today. Some of your most profitable cohorts may be underpriced while you over-serve relationships that quietly drain margin. Which clients are truly worth fighting to retain?
✦ You'll know which client segments produce disproportionate lifetime value relative to their current fees, so you can direct retention effort and fee conversations where they actually move revenue.
Tool Details
How It Works
Client lifetime value is offered in two labeled methods. QUICK ESTIMATE is an editable scratchpad: basic CLV = avg revenue × average tenure (tenure = 1 ÷ churn rate), alongside an NPV that discounts each year's revenue by retention probability and the time value of money; each segment is ranked Critical / High / Medium / Low by its NPV CLV and total segment value. FULL ANALYSIS runs over your real assessment client segments using a net present value model with a retention survival curve — the probability a client remains active in year N is (Retention Rate)^N — net of annual servicing cost, then layers retention-impact modeling and an acquisition-budget recommendation (maximum sustainable CAC = CLV × target payback, default 3 years). Both modes expose a configurable discount rate (default 10%). The method in use is labeled on-screen so the output is truthful about how it was computed, not just what data it used.
Data Sources
- •Quick Estimate: your editable segment inputs (clients, avg revenue, retention)
- •Full Analysis: your assessment client segments (Module 1)
- •NPV model with configurable discount rate (default 10%) + retention survival curve
Audit Parameters
- •Modes: Quick Estimate (basic + NPV) · Full Analysis (NPV + survival curve + servicing cost)
- •Discount rate: 10% (configurable)
- •Payback target: 3 years
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