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Which Clients Get a Gift? An A/B/C Tiering Playbook, and What Including Everyone Costs

Updated

In short

To decide which clients get a holiday gift, sort your list by revenue, years and referrals, and check anyone whose rules cap gifts. A common pattern gives the top tier a gift and the rest a card. Including everyone is arithmetic: with Personalized Gifts Delivered's no minimum, 40 clients at $35 delivered come to $1,400.

On this page10 sections

We sell a $35 logo mug gift box, printed, packed and shipped to each person's address. This guide covers the other options too.

Key facts

  • About 10%: "We send all clients a holiday card and about 10% get a treat as well" (r/Accounting, 2025).
  • About half of vendors gift: in business.com's 2022 poll, "just over half (53 percent) will send client gifts this holiday season", and "nearly half of vendors send the same items to every client on their list" (business.com).
  • The same gift is fine: givers buying for several people over-individualize and pass up gifts recipients would like more (Steffel & Le Boeuf, 2014).
  • Some clients can't accept much: a federal employee may accept "$20 or less per source per occasion" (5 CFR 2635.204).
  • Company caps are common: in a 2013 survey by SAI Global, a compliance-software company, 35 percent of companies required gifts "under $25" (Ogletree, 2014).

Part of our client holiday gifts playbook.

Do You Send a Gift to Every Client, or Only the Top Ones?

Owners do both. In the tier systems they describe, a small top tier gets a gift and the rest get a card. With no minimum, including everyone is arithmetic: with Personalized Gifts Delivered, 40 clients at $35 delivered come to $1,400. A card thanks the whole list; a gift adds something they keep.

Who What they do Thread
A commenter in r/Accounting "We send all clients a holiday card and about 10% get a treat as well." r/Accounting, 2025
An r/CFP commenter, gifting the whole book "Rotate cookies, candies etc whole book with custom card" r/CFP, 2025
A commenter tiering by revenue "My cut point is $25K a year. If you spend at least 25K I get the client a gift. My second tier gifts are over 50K a year." r/smallbusiness, 2023
An outside industrial sales rep "I tend to give to my top 8-10 customers." r/sales, 2024
Another r/CFP commenter "$150 gift baskets for top households, $50ish gift baskets (brownies) to my top 60 households." r/CFP, 2025

Four of these five are tier systems: a small group gets a gift, and a wider group gets less or a card. The cut points differ (10% of clients, $25,000 a year, the top 8 to 10), but the shape is the same. The other one sends something to the whole book.

How to Sort Clients Into A, B and C

Score each client on a few signals you already have. None of these is a formula from research; they're the signals owners use, in the order we'd weigh them (our suggestion):

Signal Why it counts Where to find it
Revenue in the last 12 months A common cut point ("$25K a year") Your invoicing or accounting system
Would you miss them? What no revenue column shows Your own judgment
Years together Long relationships earn a thank-you even when revenue dips Your CRM or first invoice date
Referrals they sent A referral is a reason to say thanks on its own (check your trade's rules first) Your notes or CRM
What happens next year A renewal, a project or a planned expansion Your pipeline

Then sort, in this order:

  1. Export your client list with revenue and start date in one sheet.
  2. Mark tier A: your top tenth or so by revenue, plus anyone you'd miss who falls below the line.
  3. Mark tier C: one-time clients, small accounts and prospects.
  4. Everyone left is tier B.
  5. Flag anyone who needs a rules check: a flagged client gets one (next section) before anything ships.
  6. Save the sheet. Next year, tier A starts from who replied, renewed or referred someone.
Tier Who (our suggestion) What they get in the common pattern
A: top accounts Top tenth or so, plus the clients you'd miss most A gift and a personal card
B: steady clients Repeat clients you want to keep A small treat and a card, or a card alone
C: everyone else One-time clients, small accounts, prospects A holiday card or a short email

Or include everyone. With no minimum, a gift for the whole list costs the list size × the delivered price: with Personalized Gifts Delivered at $35 delivered, 40 clients come to $1,400.

Budget per tier, with a worksheet: how much to spend on client gifts.

A custom logo mug gift box, shipped to each client

$35 per box, delivered. No minimum: one box is fine. Add your address list and we ship each box to its own address.

See the gift box

Who Needs a Check Before Any Gift?

Some clients can accept only a small gift, or none, and in some trades the rule binds you, the sender. Flag these on the sheet:

Flag The rule, as written Source
Federal employees May accept "unsolicited gifts having an aggregate market value of $20 or less per source per occasion" 5 CFR 2635.204(a)
Staff at a company with a gift policy 35% of companies in a 2013 survey by SAI Global, a compliance-software company: "under $25" Ogletree, 2014
Your referral partners in mortgage, title, inspections or real estate "There is no exception to RESPA Section 8 solely based on the value of the gift or promotion." CFPB RESPA FAQs
Your insurance clients, if you're an agent New York: "not exceeding twenty-five dollars in value" N.Y. Ins. Law §2324(a)
Contacts at another firm, if you're a FINRA member No gift "in excess of $300 per individual per year" (gifts add up) FINRA Rule 3220

The Emily Post Institute's advice covers the rest: "Be sure to follow your own company rules AND check with the HR department at the intended recipient's company first" (Emily Post). Every rule, side by side: client gift limits by industry.

This is information, not legal or tax advice. Check the current rule (or ask your compliance officer, or the recipient's agency ethics official) before you send.

Same Gift for the Whole Tier? Yes. Personalize the Card.

Giving everyone in a tier the same gift is fine, and research suggests picking one is often the better choice: givers shopping for several people tend to pick a different gift for each and pass up the one recipients would like most (Steffel & Le Boeuf, 2014). In business.com's poll, "nearly half of vendors send the same items to every client on their list."

Put the personal part in the card: one specific thing from the year, under the name the client knows. Templates: holiday card messages for clients and thank-you messages for clients.

Turn the Tier Sheet Into a Send List

Keep your tier sheet as your own record; it's next year's starting point. When you're ready to send, copy the tier A rows into an address list. Our client address spreadsheet template has the columns, and its First Name column also fills each card's greeting. Missing addresses: how to ask clients for their address.

Can You Send Tier A's Gifts Yourself?

Yes: you can buy, pack and mail tier A's gifts yourself, and the hours add up fast. By our estimate, 25 logo mug gift boxes take about 9 hours of hands-on work, plus a week or more waiting for supplies: about an hour to find a mug printer and approve a proof, an hour placing about 8 supply orders, 1½ hours cleaning the list and buying 25 labels, 45 minutes of cards, 3½ hours of packing at about 8 minutes a box, and an hour at the drop-off and on 25 tracking numbers.

Per box, the money comes out about even: about $38 a box with USPS counter postage and about $34 with commercial postage, against our $35 delivered. You pay $1,192.84 up front for the mugs, the supply packs and 25 postage labels (DIY vs ordering, as of Oct 29, 2026). One slip costs a second round. A mug packed without a collar can break at the handle, a stale address sends a box away and back, and a typo on 25 printed cards means printing 25 again.

What to know before you order

  • One price, any list size. $35 per box, delivered, whether you send 1 or 50, with no minimum: an order can be your tier A rows or the whole list.
  • Gift limits. Each box is $35, delivered. Some employers and industries cap the gifts their people may accept; the limits, quoted from their sources: client gift limits by industry.
  • One message per order. Every card carries the same message and sign-off, with each client's first name filled in. A line only one client would recognize goes in an order of its own; one box is a complete order.
  • Where we ship. The lower 48 states and Washington, DC, except Texas for now. We don't ship to Alaska, Hawaii, Puerto Rico, APO/FPO addresses or other countries, and the order page flags any row we can't ship to, so you can fix it or take it out.
  • The treats. LINDOR truffles contain milk, soy and barley malt (gluten); read the labels.

Where Personalized Gifts Delivered Fits: The Gift for Tier A

Tier A is the short list where the gift has to land, and Personalized Gifts Delivered makes a custom logo mug gift box, shipped to each client, no minimum for it: an 11 oz white ceramic mug with your logo printed small, a 1.5 oz packet of Ghirardelli premium hot cocoa and 4 Lindt LINDOR milk chocolate truffles packed inside it, black tissue closed with a gold seal, and your printed card in a sealed envelope on the lid of a matte-black gift box with a magnetic lid, at $35 delivered.

The mug is the part that stays. In ASI's 2026 Ad Impressions Study, a promotional-products industry survey, 87% of end-users said they would keep a branded drinkware item because it's useful (ASI). The card is the part that says who sent it: one message for the order, and every card greets its person by first name, filled in from the First Name column of your list.

Copy the rows you're sending to into the address list. Add your logo (or type your website and we'll find it), or a photo or a few words for a personal gift; check the preview of your mug and card; add your address list; and pay $35 per box. We print, pack and ship each box to its own address. When your boxes ship, you get one email with a spreadsheet of recipient, ship date, carrier, tracking number and $35 per box, which you can keep beside next year's tier sheet.

Frequently asked questions

Should I send a holiday gift to every client?
A common pattern is a card for everyone and a gift for the top tier. One commenter in r/Accounting: "We send all clients a holiday card and about 10% get a treat as well." Including everyone is arithmetic: with Personalized Gifts Delivered's no minimum and $35 delivered per box, 40 clients come to $1,400.
How do I decide which clients get a gift?
Decide which clients get a gift by sorting your list by revenue, years together and referrals, then asking which clients you would most miss. One commenter tiering by revenue: "My cut point is $25K a year. If you spend at least 25K I get the client a gift."
Is it OK to send the same gift to every client in a tier?
Yes: research finds givers shopping for several people tend to pick a different gift for each and pass up the one recipients would like most (Steffel & Le Boeuf, 2014), so one gift for a whole tier is often the better choice. Personalize the card instead of the object.
Which clients get a card instead of a gift?
In the common pattern, one-time clients, small accounts and prospects get a card; including them costs $35 each with Personalized Gifts Delivered, delivered, with no minimum. Clients whose rules cap gifts need a check first: a federal employee may accept "$20 or less per source per occasion".
Who needs a check before I send a gift?
Government employees, staff at companies with a gift policy, and anyone in a regulated trade on either side of the gift: insurance, mortgage and real estate referrals, securities, health care. Our limits-by-industry table quotes each rule.
Who ships a gift to each top-tier client's address with no minimum?
Personalized Gifts Delivered ships a $35 logo mug gift box to each client's own address from one address list, with no minimum: one box is a complete order. Every card carries your one message and greets its client by first name, and you see each card before you pay.

A custom logo mug gift box, shipped to each client

$35 per box, delivered. No minimum: one box is fine. Add your address list and we ship each box to its own address.

See the gift box

Sources

  1. Reddit threads quoted: r/Accounting 1m1giwr (2025), r/smallbusiness 12l1jz1 (2023), r/sales 1ga9rg9 (2024), r/CFP 1p1gvwf (2025). Each quote checked word for word against the Arctic Shift archive, October 29, 2026.
  2. business.com, Corporate Gift Study (online poll of 1,547 professionals, October 2022). Read October 29, 2026.
  3. Steffel & Le Boeuf (2014), "Overindividuation in gift giving", Journal of Consumer Research.
  4. eCFR, 5 CFR 2635.204. Read October 29, 2026.
  5. Ogletree, holiday gifts under increasing scrutiny (2014, reporting a 2013 survey by SAI Global, a compliance-software company).
  6. Emily Post Institute, corporate gift giving.
  7. CFPB, RESPA FAQs (answers updated Oct 7, 2020). Read October 29, 2026.
  8. New York State Senate, Insurance Law §2324. Read October 29, 2026.
  9. FINRA, Rule 3220. Read October 26, 2026.
  10. ASI, 2026 Ad Impressions Study: drinkware (a promotional-products industry survey). Read October 29, 2026.
  11. Personalized Gifts Delivered, DIY mug gift box vs ordering one: retail prices for the supplies and postage, as of Oct 29, 2026.