With the end of the tax season fast approaching, some of your clients could see a hefty tax refund coming their way or have perhaps already pocketed that check.

Ideally, clients would use such a windfall to improve their financial lives — investing the money or using it to pay down student or commercial debt, for example. However, getting clients to use that cash beneficially, rather than frivolously, might not be so easy, and tapping behavioral finance techniques could help push them to act positively, advisers say.

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