But others have take-up rates that increase more predictably, so the wealthier a client is the more likely they are to own them, or want advice on them.
A study by Phoenix Marketing International, which surveyed nearly 1,200 affluent UK investors during autumn 2011 and spring 2012, has unearthed a selection of products and services that a higher proportion of HNW and ultra-HNW clients own compared to mass affluent clients.
Phoenix predicts there are about 197,000 ultra-HNW households in the UK - defined as those with £1m plus in liquid wealth or investable assets – and if you offer the particular products and services these investors are attracted to, you could be on to a winner and should make sure to shout about it.
So what are these millionaire snaring tools? Click here to find out…