Howdy and need input please!
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Topic: Howdy and need input please!
Posted By: dudemize
Subject: Howdy and need input please!
Date Posted: Jan/07/2014 at 10:41pm
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Howdy all,
I'm a CFP candidate (just need the experience) looking to get into the biz. I've been doing mostly full time active duty in the Air National Guard for the last 12-13 years, with a couple civilian flying jobs thrown in there. I studied engineering in college but have a much stronger passion for the financial markets and helping people. I just finished the interview process and received an offer with Edward Jones, but I'm thinking about turning it down to go Indy from the get go. I have an opportunity with a decent sized local RIA. One of the reps there wants to take me under his wing and work on some projects together. Obviously I will not have the benefit of a salary and support structure of an EJ, I just think the flexibility to learn the biz and grow my practice over time at my own pace is too attractive. I make enough from my military gig to keep food on the table for my family, so that takes some of the pressure off. Am I nuts to pass up on the EJ offer? Thanks!
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Replies:
Posted By: Guests
Date Posted: Jan/08/2014 at 7:14am
| Go to the RIA firm. |
Posted By: Sportsfreak
Date Posted: Jan/08/2014 at 7:26am
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I would either go with the RIA firm, or set up your own RIA from scratch and build it out the way you want . W If the FA at the RIA who would take you under his wing, is older, that's a strong consideration though. |
Posted By: Guests
Date Posted: Jan/08/2014 at 9:42am
| Is the RIA going to pay you a salary to start? |
Posted By: Guests
Date Posted: Jan/08/2014 at 9:54am
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He doesn't need a salary |
Posted By: SometimesNowhere
Date Posted: Jan/08/2014 at 9:57am
| Plus, the RIA firm will probably offer a 160% payout. |
Posted By: Gambit82
Date Posted: Jan/08/2014 at 10:24am
| I'm also military and an engineer. Do you have a lot of sales experience? One reason I went with Merrill Lynch and I looked at Edward Jones, too, is that they do give you sales training. When I met with Ed Jones they have a special program for military folks and that might be helpful, too. |
Posted By: advisorman
Date Posted: Jan/08/2014 at 11:40am
| I used to be with EJ. Go with RIA. No brainer |
Posted By: dudemize
Date Posted: Jan/08/2014 at 6:56pm
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helado wrote:Posted By: dudemize
Date Posted: Jan/08/2014 at 7:09pm
The EDJ offer is good no doubt. In the end, I think the salary and sales training comes with too many strings attached. Training cost payback and clients are locked down. I hear there are ways around the client thing, but I would rather not deal with it. Plus at this point in my life i am just not sure I want to lock myself into being a full time employee for EDJ and doorknocking 6 days a week for the next 3 years. I'm lucky that I have the guard job to keep me going. If I needed the salary, I would go to EDJ with no reservations. I've talked to a lot of great people there who gave great advice both pro and con for EDJ. Thanks for the input, everyone. Lots of good info here!
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Posted By: Sportsfreak
Date Posted: Jan/08/2014 at 7:22pm
 Shwetak Patel. |
Posted By: NewMgr
Date Posted: Jan/08/2014 at 10:03pm
| EDJ does NOT have a planning focus. If you want to do planning, go RIA, if you want to do sales, go EDJ. I had an opportunity that I passed on to sunset an EDJ book of $80MM. In real terms she probably would have left me with say... $20MM, and none of them would have ever heard about the planning process. Would have had to start them from scratch. Their planning software is nothing more than a way to gather more assets, not all bad mind you, but not how I work). I can do that without the overhead (office expenses)and training expectations (hello? I'm already trained...). Just sayin' |
Posted By: Guests
Date Posted: Jan/09/2014 at 1:59am
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Oh holy shit. What a bunch of hogwash. Everything in this industry (not just financial services, but all of the financial industry) is about sales. "The planning process" is a fucking joke. "The planning process" is just to figure out what kind of shit I need to sell you. If you work at New York Life, the "planning process" shows you why you need to buy some whole life and disability insurance. If you work at Edward Jones, the "planning process" shows you why you need to buy some American Funds and 30 year bonds. If you work at a wirehouse, the "planning process" shows you why you need to open a wrap account. If you work at an indy, the "planning process" shows you why you need to buy some non-traded REITS and some L-share annuities (it's because of the shorter surrender period, NOT the commissions people!). If you only have an insurance licnese, "the planning process" shows you why you need to buy a FIA. If you are a Boglenaut like Rick Fairy, "the planning process" shows you why you should buy some index funds from Rick, at a low AUM fee IF you have a million dollars, otherwise, it's $3,700/year minimum. If you are a Suze Orman wannabe, "the planning process" shows you why you should just pay me $400 an hour to tell you to spend less, save more, and buy index funds from Vanguard and term life insurance from the cheapest A rated insurer you can find. It doesn't matter who you work for. The planning process is a common sense concept used as a sales tool because Joe America in 2014 is too fucking stupid to realize that if he can't afford a 65" TV in cash, then he probably shouldn't buy it. But coming fresh off of the financial crisis of dumbass secretaries buying $500,000 houses on $40,000 incomes with 0% down, we need "the planning process" to show people why they should buy some shit for their future (whether it's retirement or insurance related) as opposed to spending their last red cent on yet ANOTHER time share in the Caribbean. The planning process, what a joke.
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Posted By: RipRock
Date Posted: Jan/09/2014 at 5:17am
| Helado is right - "real" planning involves attorneys and CPAs to give professional legal and tax advice - not an FA with a Monte Carlo. |
Posted By: Iamlegend
Date Posted: Jan/09/2014 at 7:13am
| "The planning process"=an excuse to add on an additional fee on top of the asset management fee. |
Posted By: Sportsfreak
Date Posted: Jan/09/2014 at 7:33am
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Helado, RipRock and Legend are all correct. The planning process can be valuable, or can be happy horseshit. Depends on how you go about it. I think when I go thru the planning process, it's about 60% happy horseshit and finding more assets (finding more assets is the most valuable part of the planning process for us as FAs) and 40% (I admit it) helpful to the client |
Posted By: ClarenceBeeks
Date Posted: Jan/09/2014 at 9:30pm
You guys are all wrong. I focus on planning, so I'm a real financial advisor, definitely not a salesman like the rest of you chumps. 
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Posted By: dudemize
Date Posted: Jan/09/2014 at 11:43pm
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No doubt sales is a big part of any financial advisor/planner gig. The sales training is certainly one of the pros of going to EDJ vs the Indy job. The sales/prospecting training certainly can't hurt someone like me who has never done it. However, if I did do the indy gig I could also go back to my corporate flying job and do some serious prospecting there. Of course I would be fired in short order for that. You know I never even knew until this week that I had to move all my personal investments over to EDJ (or Schwab for the RIA). How does that work? Does EDJ strip out the fees? How much are stock trades for advisors?
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Posted By: Dow30
Date Posted: Jan/10/2014 at 2:02am
| You can discount the stock trades, not sure how low,$50/ minimum per trade I think. Another thought about EDJ is that most guys getting all the way through the program will get some assets or an office right away. |
Posted By: Guests
Date Posted: Jan/10/2014 at 8:05am
| LOL. "Hey should I work at EDJ? But wait...I don't have to do business there myself do I?" |
Posted By: Sportsfreak
Date Posted: Jan/10/2014 at 12:40pm
| You would b better off trading stocks in a fee based account for your own money, rather than paying $50 a trade. ....... oh, wait, EJ wouldn't allow that, would they? In fee based accounts you have to buy their mutual fund models, right? |
Posted By: Guests
Date Posted: Jan/10/2014 at 12:43pm
| Correct. But why would you fee-base yourself? |
Posted By: Sportsfreak
Date Posted: Jan/10/2014 at 12:58pm
| Because if you are active, why pay $50 a trade. My own accounts are all fee based, and i pay 25 bps, just the B/D haircut, i discount the commission to 0 |
Posted By: Guests
Date Posted: Jan/10/2014 at 1:10pm
| LOL. So you pay 25 bps on a couple hundred thousand dollars instead of $50/trade? Sounds like a good idea. |
Posted By: Sportsfreak
Date Posted: Jan/10/2014 at 1:11pm
| I trade my own account a lot |
Posted By: Guests
Date Posted: Jan/10/2014 at 1:51pm
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Woah first of all no you don't have to use their models you can create a custom model. The fee based platform fee for advisors is pretty expensive though 65bps i believe and no ticket charges or program administration fee. Also you get a whopping 2 free stock trades a year and unlimited a share nav trades with no ticket charges. Not sure why you would use the fee based platform unless you day traded etfs as an advisor for your own account. Also they will allow you to keep your e trade or Scott rate account you just have to report statements and they don't encourage it. |
Posted By: knuk
Date Posted: Jan/10/2014 at 1:59pm
Nice. I would do that if I could, but RJ Canada doesn't give us a break on our own accounts if in fee based. Same rates as clients. We do have the option of holding our own accounts at one of the discount brokers in Canada that has an arrangement with RJ. Crazy. ------------- administrator |
Posted By: Spaceman Spiff
Date Posted: Jan/10/2014 at 3:00pm
| Associate trades are $30, not $50. |
Posted By: Guests
Date Posted: Jan/10/2014 at 3:14pm
Do you understand you're a dumbass, or do I have to point it out for you?
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Posted By: Sportsfreak
Date Posted: Jan/10/2014 at 5:58pm
| No, I understand |
Posted By: dudemize
Date Posted: Jan/10/2014 at 7:19pm
hilarious! I guess my active stock trading days are over at $30/trade!
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Posted By: NewMgr
Date Posted: Jan/10/2014 at 9:57pm
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Hijacked! Wow, funny me being the one who calls that out. Since I'm usually the one that starts the hijack. That said, @the planning process naysayers, I always utilize the planning process and use that to determine what the best solutions are for my clients. Even though I'm indie light. |
Posted By: Guests
Date Posted: Jan/11/2014 at 12:43am
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There are phrases I love to call bullshit on when I hear them from FAs: 1. ..."the planning process..." (see previous post). 2. ..."so we can help people..." (ok, fuck you, no one in the history of financial services ever joined this industry to help anyone, they joined because they wanted to make a lot of money, and this is as close to Wall Street as they'll probably ever get. If you want to "help people" join the effing Peace Corps or donate your weekends to Salvation Army. If you want to sell people life insurance, mutual funds, and wrap accounts, become a financial advisor. But don't give me this crock of shit that you want to "help people." STFU. And STFU with the "planning process." At least to us (I don't care what you say in public). By planning process, you simply mean, "I have a conversation to figure out what I'm most likely able to sell this person, as opposed to just selling them whatever bond is in inventory right now, or what proprietary mutual fund or annuity pays me the most." Don't worry NewMgr, there is a silver lining in my post for you. See the first sentence, and when I said, "when I hear this from FAs" meaning I consider you a real FA (not a quasi FA like 90% of the people at your firm). So kudos to you. PS: If you send me pics of your thong, I'll bump you up another run on my ladder. All the best, "The Resource"
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Posted By: Hacksaw
Date Posted: Jan/11/2014 at 9:39am
Could you be any more of a pompous, self-righteous, blow hard?! I honestly had no idea how much money people in this business made when I decided to look into it. I knew I had an interest in investing and I liked being able to help people (I volunteer and do mission trips too). When I found out how much, I was honestly astounded. I didn't get into this for the money, I honestly wanted to do it because I enjoy it, and felt it was a way for me to use the talents I was given to help others and to be able to provide for my family. |
Posted By: NewMgr
Date Posted: Jan/11/2014 at 10:06am
Make no mistake, I am an FA because it's the best paying and easiest job in the industry. And, I have experience in other lesser paying PITA jobs in this industry. That said, I do happen to want to help people and volunteer for FPA's pro bono initiatives like Money Smart Week. So, now Helado, what have you got??? |
Posted By: SometimesNowhere
Date Posted: Jan/11/2014 at 10:23am
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I always thought one of the many shitty things about this industry is that we have to trade using our own damn company basically at whatever rate they want to charge instead of going through a discount broker. |
Posted By: NewMgr
Date Posted: Jan/11/2014 at 10:28am
Go Indie then. You can choose your discount broker (TD, Schwab...). |
Posted By: SometimesNowhere
Date Posted: Jan/11/2014 at 11:13am
That's very reasonable. I'll just change the way I do business so I can get cheaper trades. Good advice. |
Posted By: Guests
Date Posted: Jan/11/2014 at 11:53am
Liar. And to answer your original question, YES, and I will try MUCH harder moving forward! |
Posted By: Guests
Date Posted: Jan/11/2014 at 12:03pm
I never said you can't do well for your clients, strive to be a "good guy" in a business of sharks, or be happy for clients when they are successful. What I said, was that isn't the REASON people join this industry, and I stand by that 1,000%. I can't help it that Hacksaw is full of shit and has a sandy vagina. Take him for example. He started at a wire. There is no way he went on his interview process at a wirehouse and said, "I just want to help people, and I am good a trading." Those people don't get a second interview. Next, there is no way he went through their training program (chock full of sales training and cold calling) and said, "boy oh boy! I can't wait to HELP PEOPLE!" No no. See, because like I said and he fails to acknowledge, all of that is bullshit. When a client gives me a hug and tells me they are so much more confident about their retirement now that they found me, I won't deny that I am glad, and wish that every one of my clients would feel that way and have that outcome. But make no mistake, I (nor Hacksaw, nor anyone else) didn't join this industry, and go through a half decade of shit pay, for shit hours, with ridiculous emotional roller coaster because they wanted to stockpile a collection of "hugs and thank yous." I did it for the money. And so did/does Hacksaw. You may be able to sell that happy horseshit "I just like to help people" to the public, just like you can bang the table with "L share annuities have just the right balance of cost and surrender schedule for my clients" with compliance, but shoot me straight when you're on a board with other FAs. You do it for the money and the lifestyle. You do a good job and like your clients. But if you were doing this for $40,000 a year (or whatever your old job was paying), you would leave immediately. Because from top to bottom, the entire financial sector (in fact, EVERY sector), is about the money first. So Hacksaw, you can keep posting that when you're going through 300 cold calls, day after day after day, and claim you're just thinking "boy oh boy, I hope someone lets me help them today!" You're full of shit. You're thinking about a 7 figure wrap account. You know it, and so do we. |
Posted By: Sportsfreak
Date Posted: Jan/11/2014 at 12:30pm
And Helado gets one more forum member to hate him.  |
Posted By: Sportsfreak
Date Posted: Jan/11/2014 at 12:30pm
Not at my indie B/D, or at least i never asked
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Posted By: Sportsfreak
Date Posted: Jan/11/2014 at 12:32pm
Posted By: Sportsfreak
Date Posted: Jan/11/2014 at 12:33pm
@helado
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Posted By: Guests
Date Posted: Jan/11/2014 at 1:21pm
Just another thought I had upon reflection. You know how they say if a salesman ever begins his answer to a question with "honestly,..." you know he's lying? I don't doubt you're a good fellow Hacksaw, and I don't doubt that you volunteer on go on missions (I don't know what kind of missions, whether they are like James Bond, or Mother Theresa, but that's besides the point)...but if you were being "honest" about knowing what this industry is all about, your subconscious wouldn't have you typing "honestly" so much in your post. But some people maybe believe the assertion that you "honestly" had no idea that the guys you saw at Morgan Stanley and Merrill Lynch, on TV, in movies, and walking around the office wearing $2,000+ suits, made a lot of money. But I don't believe you, and neither do most people reading this (they are just polite enough to not call you out on it). "Dude, I can't believe those guys at Merrill driving the BMWs made that much money, I thought they were paid kind of like police officers and are just out there trying to keep the public safe!" Right. Signed, "The Resource"
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Posted By: NewMgr
Date Posted: Jan/11/2014 at 2:33pm
Being at your firm and complaining that you can't execute low cost trades is like voting for a politician and then complaining that you don't agree with his/her platform. You have choices. That's my point. |
Posted By: NewMgr
Date Posted: Jan/11/2014 at 2:38pm
Wow, so I mostly agree Helado... All of the sudden I feel slightly less human... 
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Posted By: ca$h_money
Date Posted: Jan/11/2014 at 4:34pm
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I don't think it's 1,000% just about money. There are other careers where you can make the same type of income, on average, without the stress of this career. Look at the different careers just in the http://www1.salary.com/Six-Figure-Income-Financial-Services-Salaries.html" rel="nofollow - financial services industry that yield over $100k. (average advisor income is $122k). Maybe if you're a broker you only care about income. I'm a perfect example because coming out of school I had two different offers, one a management position with FedEx that paid $75k and another in IT that paid $55k starting. Why did I choose a career where I barely made that much in my first 2 years combined? Income potential is part of the reason but I get a lot of fulfillment when I help my clients make decisions that save them money or help them achieve their goals. That is definitely one reason I chose this path. Not only that, but unlike many other careers, we get to see the direct impact of the value we create. Unlike working in a big corporation where the end user is many layers removed. Getting paid well for providing a lot of value is pretty sweet. And for me, especially being RIA and not an employee, it's not only about money but about the freedom.
------------- Success is 100% guaranteed if you simply never quit prospecting. |
Posted By: Sportsfreak
Date Posted: Jan/11/2014 at 4:39pm
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In all honesty (Helado, i dont care if you now think I'm lying because i said "in all honesty"), i did not come into this business for money. Yeah, i wanted to make a good living. But i had no idea how much you could make in this business even if you weren't awesome at it. And i had no idea about the system of getting a ballplayers bonus to change jobs. I also didnt come into the business because i wanted to help people. When it comes to that stuff, i am pretty much a selfish asshole. Even though i do try to do the right thing for the client, and feel good when a client thanks me for what i do. I came into the business because i always loved the markets, and wanted to be involved in the stock market on a daily basis. Thats it. Pure and simple. No more, no less. Fast forward 14 years later, to today....I am now in it for the money. Period.
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Posted By: Iamlegend
Date Posted: Jan/11/2014 at 4:44pm
| SF--I don't think you are in it only for the money. To me saying someone is only in it for the money means they are looking to maximize their pay at the expense of the clients. I have seen people who actually do that, but I don't think that describes you at all? You seem to genuinely care. Now you might say is the reason that you don't retire now is the money that you are making and I could understand that. |
Posted By: Guests
Date Posted: Jan/11/2014 at 4:51pm
| That isn't what I mean by "in it for the money" IAL. Raise your hand if you would do this business (full time) for $50,000 per year. That's what I mean. The whole ball of wax. Money, schedule, etc. |
Posted By: Sportsfreak
Date Posted: Jan/11/2014 at 4:55pm
OK, to clarify, I was (sort of) joking for the sake of the board. I look to max my income, but not at the expense of putting a client into something that isnt right for them. ... NO wait, let me rephrase that, ... not at the expense of not putting the clients interests first (for the RIAs in the group AFTER ALL, i am an IAR, which is effectively the same thing).  But lets say, the money is more important to me now than it was when i first started, and i am enjoying the increases in income, i am def focused on ways to improve MY quality of life as well as that of my clients.
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Posted By: Guests
Date Posted: Jan/11/2014 at 5:09pm
| You should be focusing on quantity instead of quality when it comes to life at this point. |
Posted By: Sportsfreak
Date Posted: Jan/11/2014 at 6:42pm
| Your sense of humor is about the same level as Ariel Sharon right now. |
Posted By: Hacksaw
Date Posted: Jan/12/2014 at 9:55pm
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I wonder why I even bother engaging in a "discussion" with Helado. First off there is no "sandy vagina" as you so eloquently put it. I just felt like adding more detail than just saying asshole. I just call things like I see them (as do you). You blanket statement is incorrect. I know you will not be able to admit it because that seems to be a personality flaw of yours. Oh well. Believe what you want, but I did not know how much people in this industry made. I was not raised with money. I didn't know anyone who was a broker, except the guy who had my UGMA account (which was at Wadell and Reed). I was raised that for a future career, you find something you enjoy and find a way to make a career out of it. I enjoy architecture and creating things so I went into construction out of college. Because of my aptitude to numbers I handled the finance side and learned the construction side. Then housing went to shit, so I thought - what else? As I mentioned I had an interest in investing and liked helping people, but planned on staying in construction. My only options were to move a few states away, but my wife did not want to leave her family. In talking to a close friend he said I should talk to his uncle who worked at Merrill. So I did. Not once was how much $$ he made mentioned. He set up an interview with the local manager. I figured it would be beneficial to talk to the other firms in town as well. My interviews were not long or in depth. It was: do you know people with money (some but many lost it with housing crashing), are you open to asking people for money (I cold-called for contracting jobs so sure), are you good with numbers, and are you a leader. I told them my interest in the markets but pointed out that I knew nothing could be done without clients, and that was my #1 goal - bring in clients. I told him how I would do it. I told him my experience of cold-calling for contracting jobs. That is how I got the job. I have never had any idea what a $2k suit, a Rolex, or any other money status symbol looks like. I don't care. I did not notice cars at places, because they were in office building. I wouldn't know what car worked where. The two $1mm producers at my old office - one drove a mid 2000s Accord, and the other had a GMC Acadia. No signs of money with either guy. In working at the wire, I was asked many times "so what is that going to pay you?" My responce was always the same - I don't know. My focus was on bringing in clients, and letting production and money take care of itself. And really it still is (though I have been extremely lazy on prospecting the last year). I know it is super hard for you to believe but when I call people I am thinking about trying to find that person who is close to retiring and doesn't know what to do. And if I help that person I'll get paid. I don't sit there and say "if I bring in $1mm and charge 1% then that is $10k. Then take out platform charges and payout at 85% is $x. Then take out my OSJ override - that leaves me with $x." Maybe I should. Maybe I am doing it wrong. I came to this industry for the reasons I stated. I stay in it because of the lifestyle. I still make shit for money (less than I did at wire with bonuses). But I can see my daughter get on the school bus every morning, and be home most nights to eat dinner with my family. I can take days off if one of my kids is sick, or has a Christmas play. I hope this helps explain some of the misconceptions you have about me, and we can just move on. |
Posted By: BerkshireBull
Date Posted: Jan/12/2014 at 10:25pm
| Great summry helado. That was awesome! |
Posted By: Guests
Date Posted: Jan/13/2014 at 12:28am
That's cute. Perhaps somewhere in your humble beginnings someone told you about double spacing between paragraphs. Let me help; after ending a paragraph, do the following: Step 1: Hit ENTER. Step 2: Hit ENTER. No so hard, right? Again, really touching story, thanks for sharing.
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Posted By: Guests
Date Posted: Jan/13/2014 at 12:39am
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By the way Hacksaw, before you start a big pity party for yourself, you asked the following question...
But the very first thing you said to me when "engaging me in a discussion" was...
I have to ask, is this how you "engage" all folks in a discussion? I mean, that's a heck of a way to start a conversation with someone! What kind of response were you hoping for when you posted it? You always seem to post something like that when addressing me, and then follow it up with another post acting surprised about the condescension in my posts that follow. I always thought you were one of the smarter fellows on the board, but alas, I think I may have been wrong (see, and you thought I couldn't admit when I was wrong!). Signed, "The Resource"
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Posted By: Guests
Date Posted: Jan/13/2014 at 8:30am
| I never saw anybody walking around in nice suits. I for sure knew you could make good money, but I thought it would be in the neighborhood of $100k - $150k. I got into it to help people - I stayed to make money. |
Posted By: Spaceman Spiff
Date Posted: Jan/13/2014 at 9:55am
| dudemize - one other piece of advice for you - avoid this place like the plague. At least until you've got, oh let's say $20 million under management. Until then, this place is just a giant time suck because you'll get dragged into pointless conversations like this one and before long all the time you thought you had to prep for your day will be gone. |
Posted By: Hacksaw
Date Posted: Jan/13/2014 at 1:21pm
After spending a day in the car with a toddler and newborn driving all over the state to visit family you didn't want to see in the first place, you lose all social graces when addressing people. My novel was to explain how you were incorrect in your assumptions about me. I took issue with the blanket statement. Maybe it was an purposeful over-generalization you made, or maybe you were exaggerating to make a point. However, because of your past history I just thought you were being your normal self. Not everyone got into this business to try and be able to buy a Ferrari. Now had your original statement been most (or any other measurement that left room) people get into the business for the money (not something that one should be ashamed of mind you) I would have taken no issue or even wasted my time on this. But it was the myopic statement, and the constant drum-beating of an asshole (social graces have not returned) making assumptions of me, and how I came into this business, that brought me to respond. Had you said "I find what Hacksaw is saying hard to believe" - okay that's fine. But instead you said I was a liar and full of shit. You were wrong, and that's okay. We can be wrong sometimes. Really Helado it's okay. It's okay. It really is. As for the use of "honestly" - I did use honestly a lot. I guess my subconscious was flabbergasted at your assumptions, and I knew you were going to call bullshit so for some reason I said that. I said it way too much. You have made good contributions throughout the history of this forum (and the previous one). But the bullshit you sometimes spew begins to wear on me after a while. Many people on here will not say something when they disagree with you because everyone knows it will get drawn out into multiple posts. You refuse to admit to being incorrect (but I did like your backhanded attempt) and so it doesn't end without someone either leaving or changing names. Maybe it gives you an erection to argue with people on here, or you have some childhood issue with always being right. I don't know what it is. BUT you were incorrect in my case, and again it is okay to be wrong... it really is.
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Posted By: dudemize
Date Posted: Jan/13/2014 at 9:54pm
| I went to the local EDJ advisor's office to chat today. The first thing I noticed when I walked up to the door was a "No Soliciting" sign. I had a good laugh. |
Posted By: Delbs
Date Posted: Jan/13/2014 at 9:58pm
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Posted By: Iamlegend
Date Posted: Jan/13/2014 at 9:59pm
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Posted By: Chief
Date Posted: Jan/13/2014 at 11:45pm
+1 ------------- "You like winning don't you?" "Saves you from having to say the word please." Good point Chief. Iceco1d 10/30/12 |
Posted By: Guests
Date Posted: Jan/14/2014 at 9:11am
There are many that admit they would've failed out without the knowledge found on these message boards. Just don't be on them during the day. Save the board viewing for nights/weekends. There is more value here than in Merrill's entire training program. And that's a fact, jack. |
Posted By: RipRock
Date Posted: Jan/14/2014 at 9:16am
| Merrill's Training was much better than this board, but this board makes me laugh a "little" harder. |
Posted By: Guests
Date Posted: Jan/14/2014 at 9:19am
Yes Hacksaw, I literally meant that ever single person to ever join financial services fit my description to a tee.  And furthermore, I was describing you specifically with my post. Just you buddy, because painting a mental image of your motivations for doing this as a career is clearly the intention of my original post, and consumes every last second of my day. And since we're being honest about our feelings dear, I think you're probably a swell guy in real life. Really I mean that. But on the internet, you strike me as a whiny bitch. Really, I mean that too. PS - I've admitted to being wrong before. You're just confused because I'm usually right. Don't shed a tear for me though bud, I don't have any childhood mommy issues or anything of the sort. I just like prodding people that are wound too tight to see what happens. Kind of like a social experiment (see Bank Investment Consultant magazine for reference). Anyway, I'm going to go drown my sorrows of the absence of Hacksaw in my fan club. Signed, "The Resource" |
Posted By: Guests
Date Posted: Jan/14/2014 at 9:21am
I don't think you've been here long enough to make that call. There is something like 4 years of content here, you've only scratched the surface (though you're certainly entitled to your opinion). |
Posted By: knuk
Date Posted: Jan/14/2014 at 9:36am
Helado is going soft.  ------------- administrator |
Posted By: Guests
Date Posted: Jan/14/2014 at 9:44am
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Alright I've had enough of this b.s. You're entitled to my opinion, and my opinion only. Got it? Good. Losers. Better? |
Posted By: knuk
Date Posted: Jan/14/2014 at 10:04am
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For a minute there I thought you were hijacked.
------------- administrator |
Posted By: Guests
Date Posted: Jan/14/2014 at 10:06am
| I didn't want you to lose sleep over it. By the way knuk, I saw an interesting article the other day about RJ in Canada in Bank Investment Consultant Magazine. I can share the link if you'd like to take a look. |
Posted By: RipRock
Date Posted: Jan/14/2014 at 10:06am
I was on RR before you had a production #
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Posted By: Guests
Date Posted: Jan/14/2014 at 10:07am
| Rip, sometimes your ego really amuses me. |
Posted By: RipRock
Date Posted: Jan/14/2014 at 10:08am
Chill out - it was a joke.
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Posted By: Guests
Date Posted: Jan/14/2014 at 10:10am
| I'll try to avoid being so rowdy next time. |
Posted By: knuk
Date Posted: Jan/14/2014 at 10:10am
I already saw that article, blew me away. But feel free to post it for others. ------------- administrator |
Posted By: Guests
Date Posted: Jan/14/2014 at 10:12am
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Maybe in a less public section of the board, a little later this week. |
Posted By: dudemize
Date Posted: Jan/14/2014 at 6:51pm
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Gang, I officially accepted the offer with EDJ today. I start in 2 weeks.
In the end, the salary, structure, training, and possible assets to start with, were too good to pass up at EDJ. Ready for incoming!
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Posted By: Iamlegend
Date Posted: Jan/14/2014 at 7:44pm
| Congratulations! |