Cindy Runger Balas, an attorney turned financial advisor, was hoping to become a million-dollar producer by 2013, but fate seemed to be conspiring against her. She had a baby and then the Great Recession struck, and it seemed she wouldn't reach her goal.

"I took great pride in helping my clients during the downturn, but it was hard coming in every day and hearing about people losing their jobs," says Runger Balas, a financial advisor at RBC Wealth in Seattle. Her numbers started to suffer. That's when she decided to take action and join the firm's FA Forward program, designed to turn around the production numbers of advisors.

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