Research attempting to predict the effect of climate change on fisheries often neglects to consider how harvesters respond to changing economic, institutional, and environmental conditions, which leads to the overly simplistic prediction of “fisheries follow fish”. However, climate effects on fisheries can be complex because they arise through physical, biological, and economic mechanisms that interact or may not be well understood. Although most researchers find it obvious to include physical and biological factors in predicting the effects of climate change on fisheries, the behaviour of fish harvesters also matters for these predictions. A general but succinct conceptual framework for investigating the effects of climate change on fisheries that incorporates the biological and economic factors that determine how fisheries operate is presented. The use of this framework will result in more complete, reliable, and relevant investigations of the effects of climate change on fisheries. The uncertainty surrounding long-term projections, however, is inherent in the complexity of the system.