What decision making and problem solving strategies will you use with BOTH clients? Do you see any need for the clients to seek an external referral? If so, what would you recommend? If not, why? What financial counseling stage are you at with the Smiths? What needs to happen next? What type of intervention strategies would you use with your clients based on the information provided? How are you going to respond to your clients about signing off on their referral form? What is your ethical responsibility? How will you improve your communication skills to provide better client feedback?