Business development in financial services has changed. The tactics that built practices a decade ago are producing diminishing returns, and most financial planners know it. In this episode of FPA LIVE, we're joined by Julie Johnson, founder of XY Communication and a former Smith Barney advisor who managed more than $1 billion in AUM, to talk about what's actually working in business development today, what has stopped working and why, and what planners need to do differently to build sustainable growth. Julie has lived on both sides. She built a practice the hard way, learned what communication and trust really require, and now spends her time helping financial professionals and their teams do it better.