Dispelling Myths and Fears of Going Independent. January 2015

Size: px
Start display at page:

Download "Dispelling Myths and Fears of Going Independent. January 2015"

Transcription

1 Dispelling Myths and Fears of Going Independent January 2015

2 Table of Contents Introduction & Methodology 3 Respondent Profile Channel 5 AUM 6 Time in Industry 7 Past Experience 8 Expectations for Future 9 Transition Decision Process Decision to Go Independent 11 Selection Process 12 Transition Process Concerns Versus Actual Experience 14 Positive and Negative Aspects of Independence 15 Transition Support16 Communicating Move with Clients 17 Client Retention 19 Change in Net Revenue 20 Satisfaction with Move 21 Write-in Responses 22

3 Introduction & Methodology Overview Methodology, data collection and analysis by Penton Research, the research arm of Penton Media, parent company of WealthManagement.com. Data collected January 7 through February 4, Methodology conforms to accepted marketing research methods, practices and procedures. Primary Objectives Determine the concerns of advisors when considering a career change. Examine the benefits and drawbacks of moving to an independent channel by advisors who have recently changed firms. Determine what advisors would have done differently, and what advice they would offer others considering a change. Methodology On January 7, 2015, Penton Research ed invitations to participate in an online survey to members of the WealthManagement.com database who reported their channel as Independent BD or RIA. By February 4, 2015, Penton Research had received 249 completed surveys. Of those, 112 met the qualifications of having moved to an RIA or IBD firm in the past five years from a different financial services firm. Response Motivation To encourage prompt response and increase the response rate overall, a live link to the survey was included the invitation to route respondents directly to the online survey. Reminder s were sent to non-respondents. The invitations and survey were branded with the relevant property name and logo, in order to capitalize on brand affinity. Each respondent was afforded the opportunity to enter a drawing for four one of four $100 Visa gift cards.

4 Respondent Profile

5 Channel For the purposes of this study, Advisors at Independent Broker Dealer firms and RIAs who had moved to their firm from a different financial services firm within the past five years were specifically selected. Forty-six percent of respondents are with IBDs, while fifty-four percent are with RIAs. Among the RIAs, about half joined an existing firm, while the other half started a new firm. Which of the following best describes your firm? Independent broker dealer 46% Did you join an existing RIA firm, or start a new firm? Joined an existing firm 55% Independent RIA firm, no broker/dealer 34% Independent RIA firm, also affiliated with a broker/dealer 20% Started new firm 45% Base for chart on left: All respondents (N=112) Base for chart on right: All RIA respondents (N=60)

6 AUM The size of respondents books of business varies greatly. Twenty-seven percent of respondents manage assets of $50 million or more, while an additional twenty-seven percent manage assets of $25 million to $49 million. Forty-six percent of respondents have an AUM of less than $25 million. For classification purposes only, what are the total assets you individually manage (i.e., what is your AUM)? $150 million or more 8% $100 million to $149.9 million 10% $50 million to $99.9 million 9% $25 million to $49.9 million 27% $10 million to $24.9 million 19% Under $10 million 27% Base: All respondents (N=102)

7 Time in Industry The majority of responses have been in the industry for 10 years or longer. All respondents had moved to their current firm within the past 5 years. How many years have you been a financial advisor? In total, how long have you been with your current firm? 15% 22% 14% 21% 11% 9% 7% 3 to 5 years 40% 3 months or less 4% 4 to 6 months 5% 7 to 9 months 4% 10 to 12 months 8% Less than 5 years 5 to 9 years 10 to 14 years 15 to 19 years 20 to 24 years 25 to 29 years 30 years or longer 1 to 2 years 38% Base for both charts: All respondents (N=112)

8 Past Experience The majority of respondents have worked with two or three financial service firms in their career. Thirty-four percent of respondents indicate their most recent move was from an IBD. Twenty-eight percent moved from an RIA and nearly one in five moved from a wirehouse or regional firm. How many firms have you worked for over your career in the financial advisory industry? Which of the following best describes the firm that you were with PRIOR to joining your current firm? Five or more 17% Two 30% Independent broker dealer Independent RIA firm, no broker/dealer Wirehouse 11% 19% 34% Independent RIA firm, also affiliated with a broker/dealer 9% Four 21% Regional firm Insurance agency (independent or part of national distribution) 8% 7% Bank brokerage 3% Three 31% Two Three Four Five or more Bank trust services or private client department Other 2% 8% Base for both charts: All respondents (N=112).

9 Expectations for Future Nearly nine in ten respondents expect to still be at their current firm two years from now. How likely are you to still be at your current firm two years from now? Definitely will 56% Probably will 33% Probably will not 7% Definitely will not 4% Base: All respondents (N=112)

10 Transition Decision Process

11 Decision to Go Independent Respondents were most likely to have their clients best interest in mind when deciding to go independent. A majority of respondents also considered their own economical benefits when making the decision. To what extent did each of the following contribute to your decision to go independent? 5 = Primary driver of my decision Rating = 4 Doing the right thing for my clients 55% 28% Economic benefits 23% 41% Creating a legacy or an business I could eventually monetize 32% 20% Tarnishment of my firm s brand 7% 13% Base: All respondents (N varies from 111 to 112)

12 Selection Process When evaluating firms to transition to, the majority of respondents considered the service they could offer clients, the level of independence and the product offerings as extremely important. Respondents were less concerned with the brand name of the new firm and the practice management tools offered by the new firm. How important were each of the following in the selection process for your new firm (or custodian if you are an independent RIA)? 5 = Extremely important Rating = 4 Better able to serve clients Level of independence 57% 63% 27% 24% Product offerings 50% 23% Technology platform 41% 24% Payout Transition support offered by new firm 33% 37% 24% 16% Brand name of new firm Practice management (e.g., coaching, tools, services) 26% 25% 17% 20% Base: All respondents (N varies from 105 to 109)

13 Transition Process

14 Concerns Versus Actual Experience When leaving their previous broker, one third of respondents were concerned about the transition aspect. However, only sixteen percent actually experienced difficulty. Twenty-seven percent were concerned about their clients making the transition with them, but only one in ten indicated it was difficult to get clients to move. Twelve percent of respondents indicated that their firm took legal action against them. However, for each problem considered, a majority of respondents did not consider solving the problem difficult. To what extent were you concerned about each of the following when leaving your former broker-dealer? Concerned (rated 4 or 5) Neutral (rated 3) Not concerned (rated 1 or 2) In reality, how difficult was your experience in solving for each of the following? Difficult (rated 4 or 5) Neutral (rated 3) Not difficult (rated 1 or 2) The transition will be a nightmare 33% 27% 40% The transition of assets 16% 23% 61% My clients won t come with me 27% 18% 55% My clients coming with me 10% 27% 63% Compliance 23% 31% 45% Compliance 13% 23% 64% My firm will proceed with legal recourse 15% 17% 67% Legal recourse 12% 14% 74% I don t know how to set up my own office and manage a business 11% 20% 69% Setting up my own office and manage a business 8% 30% 62% Base: All respondents (N varies from 108 to 111)

15 Positive & Negative Aspects of Independence The most positive aspect of going independent is being better able to put client needs first. The opportunity to build their own business and increased autonomy are each considered a positive aspect by nearly three in four respondents. Transitioning pitfalls and client resistance were most likely to be considered negative aspects. Twenty-nine percent of respondents did not see any negative aspects. What do you believe were the most positive and negative aspects of going independent? Positive aspects Negative aspects Better able to put clients needs first 85% Transitioning pitfalls 37% Opportunity to build my own business 74% Client resistance to my changing firms 32% More autonomy 71% Hiring staff 15% Change in compensation model Opportunity to increase business 55% 46% Legal issues with taking clients with me 13% Opportunity to receive more referrals 30% Technology is out of date 13% More up-to-date technology 27% Loss of referrals 8% Other 5% Other 6% Did not see any positive aspects to changing firms 1% Do not see any negative aspects to changing firms 29% Base: All respondents (N=112). Multiple responses allowed.

16 Transition Support Nearly two-thirds of respondents indicate that transition support was available to them when they transitioned to their new firm. Respondents found completing and verifying paperwork, pre-transition planning and client account bulk transfers to be most useful. When you made the move to your current firm, did you utilize a dedicated account transition team at your new firm to aid you in the process? Yes, my new firm provided a transition team 40% I hired my own consultant/ team to help with the transition 2% No, my transition was self-directed 36% No, but transition support was available 22% How useful were the transition support services offered by your new firm? (Percent rating 4 or 5 on a 5-point scale.) Completing and verifying account opening paperwork Pre-transition planning (task lists, checklists & timelines) Client account bulk transfers Onboarding & training Recommendations/advice on different types of business models Referrals to service providers (compliance, technology, Human Resources, Real estate, etc.) Tools to estimate the financial implication Tailored transition plan Site visits Client Communications (letters, brochures, s, etc.) 30% 30% 29% 28% 36% 35% 42% 39% 45% 44% Base: All respondents (N varies from 101 to 105).

17 Communicating Move with Clients Respondents personally reached out to clients through phone calls, in-person meetings, personal s and letters to communicate their move. Overall, clients reacted with support. Once you were legally allowed to communicate your transition to clients, how did you do it? What was the typical client reaction to your announcement? Personal phone calls 84% Support 76% Scheduled in-person meetings 66% Personal communications 49% Excitement 35% Personal letters 44% Apprehension 21% Form letters to clients 21% New firm sent communications 10% Confusion 11% Mass communications 10% Other 3% Other 2% Did not communicate 6% No reaction 11% Base: All respondents (N= 107). Multiple responses allowed.

18 Communicating Move with Clients (cont.) Advisors are likely to tell clients they are making a move in order to better serve them. The biggest obstacle in convincing clients to move is the fear of change. More than one in three did not encounter any obstacles when convincing clients to move. What reasons did you give clients for the change? What were the biggest obstacles in convincing clients to move with you? Better able to serve them 79% Fear of change 55% More products and services Better for my own business Better firm 43% 39% 38% Loss of/change of brand name Change in business model (e.g., commission business to fee business, etc.) 9% 20% Better technology 28% Change in product offerings 8% Fee-based relationship Better brand 13% 10% Other 5% Other 14% There were no obstacles 37% Base: All respondents (N=107 for chart on left and 106 for chart on right). Multiple responses allowed.

19 Client Retention Advisors are likely to retain the majority of their clients when they changed firms. Information about the new firm, either general information or information from an objective party or testimonials from other clients of the firm, would have caused more clients to move. What percentage of clients did you retain when you changed firms? A majority of clients 79% Less than half of clients 21% What do you think would have resulted in more clients making the move with you? An objective third party for the clients to speak with Information on safety and security of new firm Background information on the new firm Referrals/testimonials from other clients of the firm Information on newly available investor services & support A more involved transition services team Information on newly available products Experience of advisors at new firm Information on new fee-structures Other 4% 15% 18% 21% 20% 23% 27% 26% 30% 29% Base: All respondents (N=107 for chart on left and 96 for chart on right). Multiple responses allowed for chart on right.

20 Change in Net Revenue The majority of respondents experienced an increase in revenue as a result of their move. Of those, sixty percent indicate their revenue increased twenty-five percent or more. How has your net revenue changed as a result of your move? (Not including general changes in market conditions) By what percent did your net revenue increase as a result of your move? 50% or more 26% Increased 62% Stayed the same 17% 25% to 49% 34% 10% to 24% 32% Unsure 4% Decreased 17% 1% to 9% 8% Base for chart on left: All respondents (N=106). Base for chart on right: Respondents who had an increase in revenue (N=65).

21 Satisfaction with Move Respondents and their clients are satisfied or very satisfied with the move. Advisors are most likely satisfied with being their own boss, and the freedom to place clients in the products that best serve their financial needs. As a result of your move, how would you rate the following: What gives you the most satisfaction when thinking about your business now? 5 = Very satisfied Rating = 4 The fact I am my own boss 67% That I am not beholden to quotas or products pushes 63% Clients' overall satisfaction 43% 41% A wider selection of products to offer my clients 53% Respondent's overall satisfaction 45% 34% The economic benefits 51% Other 8% Base varies from 102 to 104.

22 Write-in Comments

23 Write-in Responses Did your old firm take legal action against you when you left? (Please explain) Based on the contract I signed. One of multiple reasons, was the non-conducive working environment, in which I did not feel comfortable brings clients to the office. A lot of broken promises. Cease and desist letter for soliciting clients. Don't know yet. Had taken up-front money Legal proceedings for a non-compete contract that they claimed I signed but couldn t actually produce. Made it harder for my clients to move, not really legal but challenging Scary but unsubstantiated letter They threatened lawsuit They tried. I hired an attorney who sent them a letter and they stopped pursuing it. Cost $5,000 and some stress Threatened Threatening calls and letters Tried to prohibit

24 Write-in Responses What were the biggest obstacles in convincing clients to move with you? (Other responses) Inability to contact Paperwork required Institutional loyalty to other firm Tax considerations What do you think would have resulted in more clients making the move with you? (Other responses) 100% of my clients stayed with me I lost less than 10 clients 99.4% of assets were successfully moved. More discussion in advance Ability to move assets No barriers All clients moved with me None Geographic location Nothing I am a sole practitioner which scares some Quicker actions by regulators I chose specific clients to come and around 87% followed me. What gives you the most satisfaction when thinking about your business now? (Other responses) Better able to care for staff and clients Future additional compensation Can better serve clients I can be fee-only Clients like that I am always available Less layers of management Firm no longer in national news

25 Write-in Responses If you could give one piece of guidance to other advisors at the wirehouse firms, what would it be? Be Bold. Be careful, but not afraid - it's not as hard, or as scary, as your firm is telling you. Be prepared for a few wrinkles here and there but stay positive- it all gets better after the first year! Build strong relationships with clients and never over-sell the virtues of the firm. Create your own destiny Do hesitate. Take the step. It will change your life. Invest in your business to increase your life DO IT RIGHT NOW!!!! Do plenty of research and ask veteran advisors for advice/their experience. Do right by your clients and they will do right by you Do what is best for you and your clients. Do what is best for your clients, don't wait any longer than you have to. Do your homework and compare what opportunities are out there. Look at the entire package- not just payouts. Don't Hesitate to Go Independent Don't think you need to stay there. Due Diligence is key before move Explore your options Get out of there. Do it today. Get out! Go independent 2 mentions Go independent and hire office staff! Go independent as quick as you can! Go Independent asap GO INDEPENDENT NOW!!! Go independent! No proprietary products to sell. Have the courage to step away from the dark side - you'll feel much more aligned with your clients interests

26 Write-in Responses If you could give one piece of guidance to other advisors at the wirehouse firms, what would it be? ( continued) I have never been at a wirehouse. That said having wholesaled to wirehouses, I find them repulsive!!!! If you want to move, do it now!! Independence is daunting but the rewards are well worth the effort in the long run. Independence is the best model Independence is the way to go - You are the value not your firm. Independent firms give you exactly that- independence- and all that goes with it. Independent is the way to go... It's not easy, but it's worth the effort to custom build a company that you OWN and that serves the best interests of your client base. Keep your professional options open to making the move to independence. Leave now! Go independent right now. It will be the best decision you will make in your professional life. Do it and don't look back. Leave the mothership. Leave! Look after clients first, everything else is easy. Focus full attention on client accounts that transferred to new firm and not worry about client accounts that did not transfer. Look at the opportunities of being independent and develop a drawn out Business and Marketing plan, be prepared well in advance. Before you make the move, inform clients beforehand, so they know in advance what to expect. They will appreciate it. When you do this, the transition will be smoother for your clients and you. Look at the previous market cycle and review your strategies. What resources did you use to manage your clients? In hindsight, what would you have done differently? Was there anything offered by your firm that you didn t take advantage of? What was your process of determining asset allocation and investment product selection? What options were available? Would your clients performance been better if that process was different? Discuss with an advisor from an independent firm what their process and results were for a similar client during a similar cycle. Look for people you trust to give you advice and support.

27 Write-in Responses If you could give one piece of guidance to other advisors at the wirehouse firms, what would it be? ( continued) Make sure all of the products you want to offer exist at your new firm Make sure you have all your bases covered before initiating a change Make the change; it's worth it. Make the move sooner than you think you're ready to. Don't worry about clients not coming with you...most work with you because of you, not the company's name or reputation. Manage your own business. It will benefit you and your clients. Move sooner, don't be scared. Regardless of what your boss does, make sure you do the right thing and document everything Selling products and acquiring new accounts is important, but building relationships is critical. If you move, relationships will follow you, and accounts can go anywhere. Stay positive Take your time with due diligence, determine whether and what kind of help you'll get with the transition (I had zero), copy ALL of your documentation and account information before announcing your move because your former place will cut you off immediately, have all your ducks in order because there will be no going back and no help from your former place. The payouts in the independent broker-dealers are significantly higher. The wirehouse does not really do much for the advisor other than national advertising. The unknowns of leaving the wirehouse (W-2) compound and becoming an independent (1099) can be intimidating. There is not nearly as much risk in transition as you would think if you have been long tenured and stable. What are you still doing there? Work hard

CUSTOMIZE YOUR PRACTICE, SHAPE YOUR SUCCESS

CUSTOMIZE YOUR PRACTICE, SHAPE YOUR SUCCESS SUCCESS STORIES CUSTOMIZE YOUR PRACTICE, SHAPE YOUR SUCCESS INSIDE Three advisors who leveraged a strong partnership to help grow their practice, while maintaining their flexibility and independence How

More information

Executive Briefing Paper. Capturing New Revenue Through Data Aggregation Survey Results

Executive Briefing Paper. Capturing New Revenue Through Data Aggregation Survey Results Capturing New Revenue Through Data Aggregation Survey Results Capturing New Revenue Through Data Aggregation Survey Results Fiserv commissioned a survey of financial advisors regarding their use of personal

More information

Princeton Survey Research Associates International Fiduciary Standard Survey

Princeton Survey Research Associates International Fiduciary Standard Survey Princeton Survey Research Associates International Fiduciary Standard Survey Overview This research study surveyed a random sample of active financial planners drawn from the three databases of the Financial

More information

GOING HYBRID. Understand your options when building a hybrid RIA platform for your practice. HYBRID RIA KEY TAKEAWAYS

GOING HYBRID. Understand your options when building a hybrid RIA platform for your practice. HYBRID RIA KEY TAKEAWAYS GOING HYBRID Understand your options when building a hybrid RIA platform for your practice. HYBRID RIA KEY TAKEAWAYS Is the hybrid RIA platform right for your practice? What does hybrid mean? What are

More information

Working Smarter: Advantages of Independence

Working Smarter: Advantages of Independence Working Smarter: Advantages of Independence Working Smarter: Advantages of Independence What is driving the tremendous growth in the independent broker/dealer channel and should you consider getting on

More information

{ royalalliance.com } The Case for Independence. For Financial Advisor Use Only

{ royalalliance.com } The Case for Independence. For Financial Advisor Use Only { royalalliance.com The Case for Independence For Financial Advisor Use Only Should I Go Independent? It s a question you may be asking yourself, and one that more and more advisors are asking today. Changes

More information

APA: Built by Advisors for Advisors and Their Clients

APA: Built by Advisors for Advisors and Their Clients Defining The Independent Space The purpose of this paper is to define the characteristics of different RIA and/or independent channels. Over the last few years we have seen a consistent migration of clients

More information

Broker-Dealer and Corporate RIA Model (Full-Service):

Broker-Dealer and Corporate RIA Model (Full-Service): Navi gat i ngt heri ALandscape: Whati sfuel i ngt hegr owt hoft heri AHybr i d? Formor ei nf or mat i on,pl eas ec ont ac tusat8883438994. Research shows financial advisors are gravitating to the RIA hybrid

More information

Recruiting Best Practices. Mary Sieck & Chris Flint

Recruiting Best Practices. Mary Sieck & Chris Flint Recruiting Best Practices Mary Sieck & Chris Flint 1 Agenda Industry Highlights Advisor Trends, Broker-Dealer Marketplace, & Financial Reform: The Impact on Recruiting Positioning for Growth How to Differentiate

More information

CHOOSING A FINANCIAL ADVISOR

CHOOSING A FINANCIAL ADVISOR CHOOSING A FINANCIAL ADVISOR Prepared By Winer Wealth Management, Inc. 21243 Ventura Blvd. Suite 207 Woodland Hills, CA 91364 (818) 673-1695 www.winerwealth.com Common Concerns Do any of these sound familiar?

More information

Today s Engaged Investor: An Approach to Investing, Borrowed From Life. A Study by Charles Schwab & Co. Inc., Member SIPC

Today s Engaged Investor: An Approach to Investing, Borrowed From Life. A Study by Charles Schwab & Co. Inc., Member SIPC Today s Engaged Investor: An Approach to Investing, Borrowed From Life A Study by Charles Schwab & Co. Inc., Member SIPC Introduction In the wake of the extremely challenging and often volatile investing

More information

PASSING THE TORCH. How to plan for a successful succession

PASSING THE TORCH. How to plan for a successful succession PASSING THE TORCH How to plan for a successful succession KEY TAKEAWAYS Having a succession plan in place is vital to the ongoing success and potentially to the near-term growth of your practice. You can

More information

This is what You should know to Protect Yourself and Your Wealth

This is what You should know to Protect Yourself and Your Wealth Are you being Fooled by Titles? How to Protect Yourself! Every week I receive dozens of calls, emails or questions from investors just like you who finally realize the person they entrusted with their

More information

THE FIDUCIARY DIFFERENCE

THE FIDUCIARY DIFFERENCE Federal and state law requires that Registered Investment Advisors are held to a Fiduciary Standard. This law requires that an advisor act solely in the best interest of the client, even if that interest

More information

Full Outsourcing Is Not for Everyone

Full Outsourcing Is Not for Everyone Full Outsourcing Is Not for Everyone Outsourcing Asset Management Capability: The Firms That Opt Not To And Why June 2010 CONTENTS Executive Summary 2 Why Firms Aren t Outsourcing/Partnering 4 Investment

More information

The Future of Practice Management. Member Briefing December 2013

The Future of Practice Management. Member Briefing December 2013 The Future of Practice Management Member Briefing December 2013 Overview While financial advisers assist clients in planning for their eventual transition out of the working world and into retirement,

More information

Define Your Independence: Building Your Future

Define Your Independence: Building Your Future Define Your Independence: Building Your Future Define Your Independence: Building Your Future It used to be that going independent meant going out on your own. Alone. That s not the case anymore. There

More information

Investment Advisors and Broker- Dealer Affiliation Models. Investment News

Investment Advisors and Broker- Dealer Affiliation Models. Investment News Investment Advisors and Broker- Dealer Affiliation Models Investment News Summary The majority of advisors are seeking to position themselves as advisors not brokers, sales people or reps The independent

More information

Choosing Your Investment Advisor.

Choosing Your Investment Advisor. The following information and opinions are provided courtesy of Wells Fargo Bank, N.A. Choosing Your Investment Advisor. Content Content of this report is adapted from Chapter 15, Choosing Your Doctor:

More information

Countdown to Independence Building your RIA office

Countdown to Independence Building your RIA office Countdown to Independence Building your RIA office By Linda Shirkey You ve made the decision to become an independent registered investment advisor. Congratulations! You may be feeling a mix of emotions

More information

The Myths and Realities of Becoming an RIA

The Myths and Realities of Becoming an RIA The Myths and Realities of Becoming an RIA Know the Facts Before Making a Move Perspective Perspective The Myths and Realities of Becoming an RIA Executive Summary Many financial advisors increasingly

More information

Palomar Financial Services YOUR BUSINESS. OUR SUPPORT

Palomar Financial Services YOUR BUSINESS. OUR SUPPORT YOUR BUSINESS. OUR SUPPORT Today s Agenda True Independence Company Overview How We Help You Build Your Business Prospecting Marketing Support Products Services Compensation Taking the Next Step Insurance

More information

choosing a financial advisor

choosing a financial advisor choosing a financial advisor INVESTING Few people have as significant of an impact on your life as your financial advisor. Money means flexibility and security so to pass off part of that responsibility

More information

3xEquity Transition Comparison Report PATRICK JONES, JONES WEALTH MANAGEMENT NOVEMBER 5, 2014

3xEquity Transition Comparison Report PATRICK JONES, JONES WEALTH MANAGEMENT NOVEMBER 5, 2014 3xEquity Transition Comparison Report PATRICK JONES, JONES WEALTH MANAGEMENT NOVEMBER 5, 2014 Jones Wealth Management Executive Summary Congratulations! 3xEquity has completed your Transition Comparison

More information

GENERAL INFORMATION & DISCLOSURE BROCHURE

GENERAL INFORMATION & DISCLOSURE BROCHURE GENERAL INFORMATION & DISCLOSURE BROCHURE 266 Main Street Nashua, NH 03060 (603) 889-4300 Advanced Portfolio Design, LLC Advanced Portfolio Design, LLC first registered with the State of New Hampshire

More information

What really matters to women investors

What really matters to women investors january 2014 What really matters to women investors Exploring advisor relationships with and the Silent Generation. INVESTED. TOGETHER. Certainly a great deal has been written about women and investing

More information

The. Path. Refinancing. www.totalmortgage.com October. totalmortgage.com 877-868-2503

The. Path. Refinancing. www.totalmortgage.com October. totalmortgage.com 877-868-2503 The Path Refinancing totalmortgage.com 877-868-2503 www.totalmortgage.com October 1 2012 The Path Refinancing Over time, many things change and need adjustment, and the reality is your home financing is

More information

Financial Advisors: Choosing Between Insurance Agents, Brokers, and Registered Investment Advisors Find the Right Advisor for You

Financial Advisors: Choosing Between Insurance Agents, Brokers, and Registered Investment Advisors Find the Right Advisor for You White Paper Financial Advisors: Choosing Between Insurance Financial Advisors: Choosing Between Insurance Agents, Brokers, and Registered Investment Advisors Find the Right Advisor for You Infinium Investment

More information

Dan Klein Senior Practice Management Consultant TD Ameritrade Institutional

Dan Klein Senior Practice Management Consultant TD Ameritrade Institutional Dan Klein Senior Practice Management Consultant TD Ameritrade Institutional TD Ameritrade Institutional, Division of TD Ameritrade, Inc., member FINRA/SIPC/NFA. TD Ameritrade is a trademark jointly owned

More information

CONFLICTS OF INTEREST

CONFLICTS OF INTEREST CONFLICTS OF INTEREST General Description Actual, potential and perceived conflicts of interest exist in almost all human interactions. Our relationship with you is no different. For instance, MacDougall,

More information

WHITEPAPER Published: Sept. 25, 2012. The Value of Comprehensive Financial Planning

WHITEPAPER Published: Sept. 25, 2012. The Value of Comprehensive Financial Planning WHITEPAPER Published: Sept. 25, 2012 The Value of Comprehensive Financial Table of Contents Summary... 3 Why financial planning?... 4 Advantages for the client... 4 Get clients on board... 5 Drive success

More information

Smart beta: 2015 survey findings from U.S. financial advisors

Smart beta: 2015 survey findings from U.S. financial advisors Smart beta: 2015 survey findings from U.S. financial advisors ftserussell.com Contents 1 Introduction 2 Summary of key themes 3 Survey background 5 Section 1: Defining smart beta, and what is classified

More information

Bank Advisors: Strategies to Help Prepare for the Coming Investor Opportunities

Bank Advisors: Strategies to Help Prepare for the Coming Investor Opportunities Bank Advisors: Strategies to Help Prepare for the Coming Investor Opportunities Financial advisors face a range of opportunities as a result of factors like changing investor demographics and preferences,

More information

RIA Outlook for the U.S. Economy, Industry & Markets - 2014

RIA Outlook for the U.S. Economy, Industry & Markets - 2014 RIA Outlook for the U.S. Economy, Industry & Markets - 2014 January 31, 2014 TD Ameritrade Institutional, Division of TD Ameritrade, Inc.TD Ameritrade, Inc., member FINRA/SIPC/NFA, is a subsidiary of TD

More information

Making the Transition to a Fee-Based Practice A Step-by-Step Guide

Making the Transition to a Fee-Based Practice A Step-by-Step Guide Making the Transition to a Fee-Based Practice A Step-by-Step Guide Now that you ve made the decision to transition from commissions to a fee-based business, the hardest part of the process is behind you.

More information

HIRING A JUNIOR ADVISOR MADE SIMPLE A Guide on When to Do It, What to Do and How to Do It

HIRING A JUNIOR ADVISOR MADE SIMPLE A Guide on When to Do It, What to Do and How to Do It HIRING A JUNIOR ADVISOR MADE SIMPLE A Guide on When to Do It, What to Do and How to Do It Hiring a Junior Advisor Made Simple Author David Allen once said, You can do anything, but you can t do everything.

More information

J.H. ELLWOOD & ASSOCIATES, INC. 33 West Monroe, Suite 1850 Chicago, IL 60603 (312) 782-5432 www.ellwoodassociates.com.

J.H. ELLWOOD & ASSOCIATES, INC. 33 West Monroe, Suite 1850 Chicago, IL 60603 (312) 782-5432 www.ellwoodassociates.com. J.H. ELLWOOD & ASSOCIATES, INC. 33 West Monroe, Suite 1850 Chicago, IL 60603 (312) 782-5432 www.ellwoodassociates.com March 31, 2015 This brochure provides information about the qualifications and business

More information

TO TAKE NOW in Order to Take Charge of Your Financial Life

TO TAKE NOW in Order to Take Charge of Your Financial Life HIGHLIGHTS INCLUDE: Powerful information that could potentially save you thousands in taxes and fees. Tips to help put you one step ahead in your retirement preparations. Critical mistakes that cannot

More information

Financial Freedom: Three Steps to Creating and Enjoying the Wealth You Deserve

Financial Freedom: Three Steps to Creating and Enjoying the Wealth You Deserve Financial Freedom: Three Steps to Creating and Enjoying the Wealth You Deserve What does financial freedom mean to you? Does it mean freedom from having to work, yet still being able to enjoy life without

More information

Firm Brochure (Part 2A of Form ADV) The Asset Advisory Group, Inc.

Firm Brochure (Part 2A of Form ADV) The Asset Advisory Group, Inc. Firm Brochure (Part 2A of Form ADV) 9200 Montgomery Road Cincinnati, Ohio 45242 (513) 771-7222 (888) 234-7982 www.taaginc.com info@taaginc.com This brochure provides information about the qualifications

More information

Fiduciary/Registered Investment Advisor Questionnaire FACTS to Know

Fiduciary/Registered Investment Advisor Questionnaire FACTS to Know Fiduciary/Registered Investment Advisor Questionnaire FACTS to Know Whom you entrust with your Financial Future Fiduciary vs. Suitability Why Should You Care? If you are concerned about your or your family

More information

Closing The Gap: Bridging Generational Differences for Effective Succession Planning

Closing The Gap: Bridging Generational Differences for Effective Succession Planning Closing The Gap: Bridging Generational Differences for Effective Succession Planning When you think about selling your practice, it s easy to focus solely on its valuation because it s the most tangible

More information

THE WISE CONSUMER'S GUIDE TO HIRING AN IMMIGRATION ATTORNEY

THE WISE CONSUMER'S GUIDE TO HIRING AN IMMIGRATION ATTORNEY THE WISE CONSUMER'S GUIDE TO HIRING AN IMMIGRATION ATTORNEY Cowles & Thompson 214-672-2000 immigration @cowlesthompson.com Page 1 Why Hire an Immigration Lawyer? Remember that immigration applications

More information

Becoming an RIA? Should You Consider Going Hybrid?

Becoming an RIA? Should You Consider Going Hybrid? Becoming an RIA? Should You Consider Going Hybrid? Key Questions for Finding a Broker-Dealer for Your Commission Business Perspective Perspective Becoming an RIA? Should You Consider Going Hybrid? Executive

More information

Guide to Clean Pricing. By Kathryn Cooper

Guide to Clean Pricing. By Kathryn Cooper Guide to Clean Pricing By Kathryn Cooper Kathryn Cooper, economics correspondent and former Money editor, Sunday Times Contents Guide to Clean Pricing 3 How did commission work? 4 What if I don t want

More information

10 Questions Advisors Routinely Fail to Ask When Changing Broker-Dealers

10 Questions Advisors Routinely Fail to Ask When Changing Broker-Dealers Finding the perfect broker/dealer fit for you is paramount to your success. Advisors considering a change must do their homework carefully in order to avoid a mistake that could cost them thousands. 10

More information

ADELL, HARRIMAN & CARPENTER, INC. Investment Management & Financial Counsel

ADELL, HARRIMAN & CARPENTER, INC. Investment Management & Financial Counsel ADELL, HARRIMAN & CARPENTER, INC. Investment Management & Financial Counsel Part 2A of Form ADV The Brochure 2700 Post Oak Blvd., Suite 1200 Houston, TX 77056 (713) 621-1155 www.ahcinvest.com Updated:

More information

RECRUITING SCRIPTS. Role-play your scripts daily! B patient! I'm fearless, I'm powe. unstoppable! Follow the number

RECRUITING SCRIPTS. Role-play your scripts daily! B patient! I'm fearless, I'm powe. unstoppable! Follow the number You play at the level you practic Role-play your scripts daily! B patient! I'm fearless, I'm powe unstoppable! Follow the numbers RECRUITING SCRIPTS ou play at the level you practice. play your scripts

More information

CULTURE & HIRING TRANSPARENCY DRIVES RECRUITING EFFICIENCY

CULTURE & HIRING TRANSPARENCY DRIVES RECRUITING EFFICIENCY CULTURE & HIRING TRANSPARENCY DRIVES RECRUITING EFFICIENCY By Scott Weaver Director of Talent Acquisition & Development, Cumming Corporation The primary objective of the Talent Acquisition function within

More information

Cutting through the Confusion

Cutting through the Confusion Cutting through the Confusion Where to Turn for Help with Your Investments What Services Do You Want? What Types of Providers Offer Assistance with Investments? How Do You Pay for These Services? What

More information

Transitioning Broker Dealers Is making the move to a new broker dealer the right choice for you? What factors are at play in the decision to make a

Transitioning Broker Dealers Is making the move to a new broker dealer the right choice for you? What factors are at play in the decision to make a f e a t u r e Transitioning Broker Dealers Is making the move to a new broker dealer the right choice for you? What factors are at play in the decision to make a change and in making the move itself? by

More information

EB-5 Regional Centers: Using Broker-Dealer and Finders by Jor Law, Esq.

EB-5 Regional Centers: Using Broker-Dealer and Finders by Jor Law, Esq. Introduction EB-5 Regional Centers: Using Broker-Dealer and Finders by Jor Law, Esq. Raising capital for EB-5 projects is a difficult process. It is tempting to accept help anywhere one can get it, and

More information

Fee-Based Financial Advisors: A Comprehensive Overview of their Product Usage, Business Models, & Best Practices

Fee-Based Financial Advisors: A Comprehensive Overview of their Product Usage, Business Models, & Best Practices Tactical Issues Research Report Series Fee-Based Financial Advisors: A Comprehensive Overview of their Product Usage, Business Models, & Best Practices May 2005 INTRODUCTION & KEY FINDINGS The introduction,

More information

COPIER CAREERS SALES MANAGER SALARY SURVEY

COPIER CAREERS SALES MANAGER SALARY SURVEY 2013 COPIER CAREERS SALES MANAGER SALARY SURVEY 1 Over the past year and a half, as the economy has recovered from its recession and returned to growth mode, a major shift has taken place in the copier

More information

Sailing Solo. By Daniel J. Siegel

Sailing Solo. By Daniel J. Siegel Sailing Solo By Daniel J. Siegel 30 the philadelphia lawyer summer 2009 One lawyer s journey into the sea of practicing alone can do it. That s what my wife said when I was deciding whether to open my

More information

The Internet is Revolutionizing How Businesses Raise Funding

The Internet is Revolutionizing How Businesses Raise Funding The Internet is Revolutionizing How Businesses Raise Funding Securities offered through Localstake Marketplace, LLC. Member FINRA/SIPC. This is not an offer and when offered, securities are private placements

More information

Dennis Matthew Breier d/b/a Fairwater Wealth Management

Dennis Matthew Breier d/b/a Fairwater Wealth Management Item 1 Cover Page Dennis Matthew Breier d/b/a Fairwater Wealth Management Registered Investment Adviser 16W455 S. Frontage Road, Suite 311 Burr Ridge, Illinois 60527 (630) 282-6520 phone (630) 282-6520

More information

DISCOVERING TRUE INDEPENDENCE AS AN RIA

DISCOVERING TRUE INDEPENDENCE AS AN RIA DISCOVERING TRUE INDEPENDENCE AS AN RIA You ll find the complete control and freedom you re looking for at Raymond James without giving up any of the support you need to succeed. BECOMING A REGISTERED

More information

Leverage Lincoln Financial Network. Make the move to independence. Your business. Our network.

Leverage Lincoln Financial Network. Make the move to independence. Your business. Our network. Leverage Lincoln Financial Network Make the move to independence. Your business. Our network. It s your move You are a successful financial advisor. You ve built your practice on your strong reputation,

More information

Disclosure Brochure for Retirement Plan Fiduciaries

Disclosure Brochure for Retirement Plan Fiduciaries Disclosure Brochure for Retirement Plan Fiduciaries Important information regarding services and compensation for retirement plan assets invested in UBS Select and other assets held away from UBS Retirement

More information

Retiring from the Family Business Last update: October 27, 2011

Retiring from the Family Business Last update: October 27, 2011 Summary Retiring from the Family Business Last update: October 27, 2011 If you are the owner or a major partner in a small business, your retirement concerns are more complex than most people s. It is

More information

Financial Professional Terms: What They Mean and Why You Should Care

Financial Professional Terms: What They Mean and Why You Should Care Financial Professional Terms: What They Mean and Why You Should Care By Harold Evensky and William Reichenstein Broker, registered investment advisor, financial planner, insurance agent, investment advisor,

More information

The Emperor s New Clouds

The Emperor s New Clouds WHITEPAPER Author: Stuart James The Emperor s New Clouds Challenging cloud myths and misinformation Challenging cloud myths and misinformation Author: Stuart James If Cloud can be simply broken down into

More information

c01_1 09/18/2008 1 CHAPTER 1 COPYRIGHTED MATERIAL Attitude Is Everything in a Down Market http://www.pbookshop.com

c01_1 09/18/2008 1 CHAPTER 1 COPYRIGHTED MATERIAL Attitude Is Everything in a Down Market http://www.pbookshop.com c01_1 09/18/2008 1 CHAPTER 1 Attitude Is Everything in a Down Market COPYRIGHTED MATERIAL c01_1 09/18/2008 2 c01_1 09/18/2008 3 Whether you think you can or you think you can t, you are right. Henry Ford

More information

Firm Brochure (Form ADV Part 2A) 12610 N. Community Road, Suite 204 Charlotte, NC 28277 704-540-2500. www.independentadvisoralliance.

Firm Brochure (Form ADV Part 2A) 12610 N. Community Road, Suite 204 Charlotte, NC 28277 704-540-2500. www.independentadvisoralliance. Firm Brochure (Form ADV Part 2A) 12610 N. Community Road, Suite 204 Charlotte, NC 28277 704-540-2500 www.independentadvisoralliance.com October 21, 2015 This brochure provides information about the qualifications

More information

BEACON POINTE WEALTH ADVISORS

BEACON POINTE WEALTH ADVISORS BEACON POINTE WEALTH ADVISORS An Enterprise Building Partnership Background on Beacon Pointe Advisors One of the country s largest independent RIAs Approximately $5.6+ billion assets under advisement (as

More information

Three Attributes of Every Successful Merchant Services Program-20140604 1602-1

Three Attributes of Every Successful Merchant Services Program-20140604 1602-1 Three Attributes of Every Successful Merchant Services Program-20140604 1602-1 [Start of recorded material] [Starts Mid Sentence] thank everyone that s joined the call today. I know everybody is busy with

More information

Small Business Checkup

Small Business Checkup Small Business Checkup How healthy is your business? www.aretehr.com TABLE OF CONTENTS The Four Keys to Business Health... 3 Management & Operations... 4 Marketing... 6 Financial & Legal... 8 Human Resources...

More information

CALL US 801-656-2092. Free Report on How To Choose a Personal Trainer. This is an educational service provided to you by The GYM

CALL US 801-656-2092. Free Report on How To Choose a Personal Trainer. This is an educational service provided to you by The GYM Free Report on How To Choose a Personal Trainer This is an educational service provided to you by The GYM 1 6 Mistakes to avoid when choosing a personal trainer 1. Choosing a personal trainer strictly

More information

2015 Registered Investment Advisor Study. by Scottrade Advisor Services

2015 Registered Investment Advisor Study. by Scottrade Advisor Services 2015 Registered Investment Advisor Study by Scottrade Advisor Services Scottrade Advisor Services commissioned a study of independent registered investment advisors (RIAs) to examine attitudes and behaviors

More information

Fiduciary/Registered Investment Advisor Questionnaire - starts on Next page

Fiduciary/Registered Investment Advisor Questionnaire - starts on Next page Fiduciary/Registered Investment Advisor Questionnaire - starts on Next page Whom you entrust with your Investments and Investment Management is important for your Financial Security. Find out the Facts!

More information

(404) 919-9756 david@davidbrauns.com www.davidbrauns.com

(404) 919-9756 david@davidbrauns.com www.davidbrauns.com You are probably reading this guide because you were recently in an automobile accident. Now you are faced with some difficulties. The tasks of managing your care and your insurance claim can be confusing

More information

B2C Marketing Automation Action Plan. 10 Steps to Help You Make the Move from Outdated Email Marketing to Advanced Marketing Automation

B2C Marketing Automation Action Plan. 10 Steps to Help You Make the Move from Outdated Email Marketing to Advanced Marketing Automation B2C Marketing Automation Action Plan 10 Steps to Help You Make the Move from Outdated Email Marketing to Advanced Marketing Automation Introduction B2C marketing executives are increasingly becoming more

More information

Average producers can easily increase their production in a larger office with more market share.

Average producers can easily increase their production in a larger office with more market share. The 10 Keys to Successfully Recruiting Experienced Agents by Judy LaDeur Understand whom you are hiring. Don t make the mistake of only wanting the best agents or those from offices above you in market

More information

The Ultimate, Customizable, Comprehensive Outsourcing Solution for RIAs

The Ultimate, Customizable, Comprehensive Outsourcing Solution for RIAs FPS Company Background Comprehensive support system created by advisors for advisors Established in 1990 founder Brent Hicks transitioned $65M to fees, building systems to significantly grow his client

More information

Fiduciary Study Findings

Fiduciary Study Findings Fiduciary Study Findings For CFP Board June 2013 Page 1 Page 1 Summary of Major Findings Business models cut across regulatory worlds; close to 60% of registered representatives (RRs) are licensed as investment

More information

IPS RIA, LLC CRD No. 172840

IPS RIA, LLC CRD No. 172840 IPS RIA, LLC CRD No. 172840 ADVISORY CLIENT BROCHURE 10000 N. Central Expressway Suite 1100 Dallas, Texas 75231 O: 214.443.2400 F: 214-443.2424 FORM ADV PART 2A BROCHURE 1/26/2015 This brochure provides

More information

What s a fee-only financial advisor? Steve Juetten, CFP November 7, 2011

What s a fee-only financial advisor? Steve Juetten, CFP November 7, 2011 What s a fee-only financial advisor? Steve Juetten, CFP November 7, 2011 Introduction Someone giving personal financial advice may use a variety of titles: financial adviser, financial consultant, financial

More information

How to Write a Marketing Plan: Identifying Your Market

How to Write a Marketing Plan: Identifying Your Market How to Write a Marketing Plan: Identifying Your Market (Part 1 of 5) Any good marketing student will tell you that marketing consists of the four functions used to create a sale: The right product to the

More information

Advisor Technology 2.0. Andrew Gluck CEO, Advisor Products Inc. Editor At Large, Financial Advisor Magazine January 19, 2007

Advisor Technology 2.0. Andrew Gluck CEO, Advisor Products Inc. Editor At Large, Financial Advisor Magazine January 19, 2007 Advisor Technology 2.0 Andrew Gluck CEO, Advisor Products Inc. Editor At Large, Financial Advisor Magazine January 19, 2007 AT + Web 2.0 = AT 2.0 Unleash the potential of the Web Collaborate Personalize

More information

Script for Presentation of. Premier VI Private Annuity/Trust, Capital Gains Deferral

Script for Presentation of. Premier VI Private Annuity/Trust, Capital Gains Deferral Script for Presentation of Premier VI Private Annuity/Trust, Capital Gains Deferral Note to Presenter: A good handout or study guide to go with this presentation is NAFEP s, 7 page Deferring Capital Gains

More information

Financial Advisor Game Plan for Going Independent

Financial Advisor Game Plan for Going Independent Financial Advisor Game Plan for Going Independent Powered by Coastal Financial Partners Group Defining the Independent Financial Advisor (FA): The FA who is committed to channeling all resources; economic,

More information

6 Steps to Completing Your Loan Modification Yourself

6 Steps to Completing Your Loan Modification Yourself 6 Steps to Completing Your Loan Modification Yourself Page 1 of 12 You hear it in the news almost every day, more and more hard working Americans are falling behind on their mortgage payments. Many real

More information

Anatomy of an RIA Acquistion

Anatomy of an RIA Acquistion Anatomy of an RIA Acquistion 1 Speakers Derek Bruton, EVP, National Sales Manager, IAS, LPL Financial Corporation Jeff Rosenthal, SVP & CMO, Triad Advisors, Inc. Moderator: Philip Palaveev, President,

More information

Whether you re new to trading or an experienced investor, listed stock

Whether you re new to trading or an experienced investor, listed stock Chapter 1 Options Trading and Investing In This Chapter Developing an appreciation for options Using option analysis with any market approach Focusing on limiting risk Capitalizing on advanced techniques

More information

Overcoming Your Content Challenges

Overcoming Your Content Challenges Overcoming Your Content Challenges How to create engaging content for your marketing campaigns 2014 Copyright Constant Contact, Inc. 14-3931 v1.0 Helping Small Business Do More Business Coming up with

More information

Cerulli Advisor Survey Results

Cerulli Advisor Survey Results Cerulli Advisor Survey Results WWW.RISYMPOSIUM.COM Presented by: Topics Large-Scale Advisory Trends Changing Advice Dynamics Product Changes Asset Marketshare by Channel, 2010-2012E Channel 2010 2011E

More information

Fiduciary/Registered Investment Advisor Questionnaire

Fiduciary/Registered Investment Advisor Questionnaire Fiduciary/Registered Investment Advisor Questionnaire Why do you need to Focus on the Fiduciary Standard and a Fee-Only Registered Investment Advisor? Because Fee-Only Registered Investment Advisors, adhering

More information

Chapter 5: Buying a Practice. Where To Go

Chapter 5: Buying a Practice. Where To Go Chapter 5: Buying a Practice Where To Go To begin the process of buying a practice, be sure to consider the following potential sources of information: dental schools; dental societies; professional journals;

More information

Financial Advisors Use of Social Media Moves from Early Adoption to Mainstream

Financial Advisors Use of Social Media Moves from Early Adoption to Mainstream Financial Advisors Use of Social Media Moves from Early Adoption to Mainstream Advisors use a variety of social networks overall but when it comes to driving business, the overwhelming majority turn to

More information

OPTIONS AND THE FINANCIAL ADVISOR. www.optionseducation.org

OPTIONS AND THE FINANCIAL ADVISOR. www.optionseducation.org OPTIONS AND THE FINANCIAL ADVISOR www.optionseducation.org KEY FINDINGS 2 WHY AND HOW ADVISORS ARE USING OPTIONS 3 THE IMPORTANCE OF OPTIONS EDUCATION 6 THE VALUE OF THE OPTIONS INVESTOR 7 THE IMPACT OF

More information

7 Secrets To Websites That Sell. By Alex Nelson

7 Secrets To Websites That Sell. By Alex Nelson 7 Secrets To Websites That Sell By Alex Nelson Website Secret #1 Create a Direct Response Website Did you know there are two different types of websites? It s true. There are branding websites and there

More information

Advisor Succession Planning

Advisor Succession Planning Wealth and Asset Management Service Spotlight Advisor Succession Planning Managing the retirement of Baby Boomer advisors 1 As few as 29% of advisors have a succession plan in place or are ready for implementation

More information

Success. Impress. Sales and Onboarding Your Last Chance to Make a Good First Impression. seic.com/advisors

Success. Impress. Sales and Onboarding Your Last Chance to Make a Good First Impression. seic.com/advisors Success. Impress. Sales and Onboarding Your Last Chance to Make a Good First Impression seic.com/advisors We all remember those big sales in our career. Weeks, even months of patience, nurturing and hard

More information

Investing in More Objective Advice. A Guide to Working With an Independent Registered Investment Advisor

Investing in More Objective Advice. A Guide to Working With an Independent Registered Investment Advisor Investing in More Objective Advice A Guide to Working With an Independent Registered Investment Advisor Compliments of Introduction Forty-six percent of wealthy households now use an independent advisory

More information

10 How to Accomplish SaaS

10 How to Accomplish SaaS 10 How to Accomplish SaaS When a business migrates from a traditional on-premises software application model, to a Software as a Service, software delivery model, there are a few changes that a businesses

More information

The Basics of Building Credit

The Basics of Building Credit The Basics of Building Credit This program was developed to help middle school students learn the basics of building credit. At the end of this lesson, you should know about all of the Key Topics below:»

More information

HOW TO GET YOUR LISTING SOLD Mike Ferry Report One

HOW TO GET YOUR LISTING SOLD Mike Ferry Report One HOW TO GET YOUR LISTING SOLD Mike Ferry Report One When a market changes and either goes flat or starts to decline the challenge that each of us faces is getting our listings sold and satisfying the needs

More information

www.arden Fumigation.com (408) 279-2040 1

www.arden Fumigation.com (408) 279-2040 1 1 FREE REPORT 5 Crucial Things You Should Know Before Choosing a Pest Control Service 2 We all know how difficult it is when we need to get rid of pests in our house. It is even more difficult to do it

More information

Testimony of Ken Specht, Professional Insurance Agent. Kenosha, Wisconsin. Before the House Ways and Means Subcommittee on Oversight,

Testimony of Ken Specht, Professional Insurance Agent. Kenosha, Wisconsin. Before the House Ways and Means Subcommittee on Oversight, Testimony of Ken Specht, Professional Insurance Agent Kenosha, Wisconsin Before the House Ways and Means Subcommittee on Oversight, Hearing on the Department of Labor s Proposed Fiduciary Rule September

More information