I agree ... my business runs January to December and all financial changes take place for January 1st of that tax year and I send out notice to current clients at least 60 days prior to that so now is when I would be 'thinking / reflecting' on changes so any clients signed on NOW would be being told the NEW plan for 2013 ... so that they did not feel they just signed on and 'wham' something is being changed on them already.