Biagnostics®: Behavioral finance meets client experience

As the science of behavioral finance matures, the art of applying its principles remains complex. Biagnostics is designed to help you start creating the experience your clients want—and need—today.

What is Biagnostics?

Biagnostics is a framework advisors can use to incorporate behavioral finance into their practice. Our proprietary process is designed to create an emotionally and financially customized client experience by addressing behavioral biases and generational/life-stage challenges—the two main factors that add layers of complexity to client investing decisions.

Hear what Omar Aguilar has to say about the way professional money managers work to mitigate behavioral and cognitive biases in this episode of Financial Decoder.

Listen to podcast >

Hear what Omar Aguilar has to say about the way professional money managers work to
mitigate behavioral and cognitive biases in this episode of Financial Decoder.

Listen to podcast >

Learn more about Biagnostics

Biagnostics: the experience clients want and the results they need

The Biagnostics experience

With Biagnostics, advisors can use the principles of behavioral finance to build better client experiences. The Biagnostics framework merges two key areas for advisor success: the emotional experience clients want and the financial results they need to help achieve their long-term goals.

Why should advisors practice Biagnostics?

Cements client relationships

Establishes a framework for meaningful, ongoing conversations

Supports fiduciary responsibility

Illustrates going the extra mile to act in clients’ best interests

Improves outcomes

Creates the potential for better investment results and greater emotional satisfaction

Adds tangible value

Demonstrates value that can never be automated

Put Biagnostics to workPut behavioral finance to work with Biagnostics

Our Biagnostics toolkit is designed to help advisors apply behavioral finance as a practical tool. The toolkit includes an advisor implementation guide and an investor workbook to use with clients.

Advisor guide

Biagnostics: Diagnosing and Treating Your Clients’ Investing Biases

  • Understand investing biases from both scientific and social perspectives
  • Determine how differences in generational experiences shape clients’ investing behaviors
  • Factor clients’ emotional, cognitive, and social biases into portfolio modeling and communication
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Investor workbook

The Bias Freedom Plan: Diagnosing and Treating the Investing Biases That Hold You Back

  • Determine clients’ emotional and cognitive biases
  • Learn how generational experiences affect clients’ investing attitudes
  • Design a customized Bias Freedom Plan to treat clients’ biases
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Learn how to apply Biagnostics

Our suite of educational presentations—available for main stage presentations, webinars, and workshops—can enhance advisors’ understanding of behavioral finance and provide them with actionable strategies to apply in their practice and with clients.


Advisor main stage/conference presentation

Topics include:

  • Identifying and mitigating client investing biases
  • Incorporating psychological and life stage needs in investing plans and communications
  • Designing client experiences that address psychological and financial needs
  • Using Biagnostics tools to foster meaningful ongoing client conversations and long-term loyalty


Advisor roundtable/workshop presentation

Topics include:

  • The new landscape for adding value
  • Understanding psychological and generational biases
  • The Biagnostics solution


Investor workshop presentation

Topics include:

  • Why humans have biases (and why they hurt)
  • Diagnosing client biases
  • Bias Freedom Plan

For more information about our educational presentations, or to request a presenter or keynote speaker, please contact your Charles Schwab Investment Management representative.

Register now for even more

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