New Member
Printed From: Advisorheads
Category: Introductions
Forum Name: Greenhorn Introductions
Forum Description: MAKE YOUR FIRST POST HERE!
URL: http://www.advisorheads.com/forum_posts.asp?TID=17562
Printed Date: Mar/27/2026 at 12:00am
Software Version: Web Wiz Forums 12.03 - http://www.webwizforums.com
Topic: New Member
Posted By: Ncoke
Subject: New Member
Date Posted: Sep/01/2020 at 11:10am
| Hello everyone. I recently started a new career at a boutique firm offering holistic financial planning and investment management. The firm is an agency of Guardian but is not an affiliate or subsidiary. I have recently obtained my Insurance license and am in the process of obtaining my securities licenses. Im looking forward to this new career. |
Replies:
Posted By: memphis
Date Posted: Sep/01/2020 at 11:19am
What is the only investment product anyone will ever need, and why is it whole life insurance?
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Ncoke wrote:Posted By: missionshooter
Date Posted: Sep/01/2020 at 11:44am
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Wow, you really drank the fucking Koolaid. The last asshole Guardian FA I ran across had his clients hellbent on using Whole Life for their kids college funding and also their retirement savings. They thought I was a real asshole when I told they were given bad advice and pointed to the surrender charges. 80k in Cash value too. |
Posted By: Guests
Date Posted: Sep/01/2020 at 1:12pm
| Well this is going well for the new guy |
Posted By: Wet_Blanket
Date Posted: Sep/01/2020 at 1:46pm
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Stay strong new guy. Once you make it past the introductory posts you can read all the great content on here and ignore the haters. ------------- The true 🤡 was the Biden voter all along. |
Posted By: Guests
Date Posted: Sep/01/2020 at 2:17pm
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You won't be able to ignore the haters if you're still at Guardian. It's a shit business model. You can get rich doing it their way, but you won't sleep well at night. At least you shouldn't.
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Posted By: memphis
Date Posted: Sep/01/2020 at 3:35pm
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Ncoke, let not your heart be troubled. Almost everyone here has tasted kool-aid of one flavor or another. Keep going and you'll find some really useful stuff here. And let me say, welcome to the business. That an agency fed you the "not an affiliate or subsidiary" line is worrisome. If you signed an FR contract as a career agent, you are an employee of Guardian - with all the good and bad that entails. If this is a Guardian agency, all securities business is going through Park Avenue Securities, of which you will be an employee once you pass your 6/7. PAS is owned by Guardian. You can offer your clients what they tell you to offer. You may have a non-compete. "Holistic" financial planning is done via their proprietary software system, Living Balance Sheet. It's based on LEAP / Circle of Wealth concepts and heavily pushes the sale of whole life products. |
Posted By: Guests
Date Posted: Sep/01/2020 at 3:39pm
I think it’s actually spelled wholistic 
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Posted By: memphis
Date Posted: Sep/01/2020 at 3:41pm
Seriously, though, if you expect to sell a lot of whole life at least make sure your renewals are vested.
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Posted By: Guests
Date Posted: Sep/01/2020 at 3:47pm
I thought it was 'whorelistic"
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Posted By: advisorman
Date Posted: Sep/01/2020 at 8:00pm
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I thought the Guardian was a newspaper ------------- King of sarcasm and speling |
Posted By: Iamlegend
Date Posted: Sep/01/2020 at 8:25pm
The Guardian |
Posted By: Conrad Dobler
Date Posted: Sep/01/2020 at 10:20pm
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I think I used to use your home security service. ------------- No matter how bad it might be, your morning is going better than Travis Davis’. |
Posted By: mindtech
Date Posted: Sep/01/2020 at 10:38pm
| $50 says the original poster ain't coming back. Kids are soft these days. |
Posted By: mindtech
Date Posted: Sep/02/2020 at 1:16am
Are you really trying to give credibility to a left wing click bait rag website? |
Posted By: Guests
Date Posted: Sep/02/2020 at 6:38am
He said the Guardian, not SkyNews.
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Posted By: Hacksaw
Date Posted: Sep/02/2020 at 8:08am
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A “boutique firm”
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Posted By: advisorman
Date Posted: Sep/02/2020 at 4:50pm
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i just like to keep it light around here ------------- King of sarcasm and speling |
Posted By: luvindy
Date Posted: Sep/02/2020 at 10:25pm
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I was gone for a few days but this thread was a sweet taste of satisfaction to come back to. ------------- 8/31/12,Sportsfreak: "If Barak wins this election, or appears to be clearly winning, we are all fucked. Market will tank big time." Dow 13,090 S&P 1406 5/23/13 UC:Dow 20k before 20% crrectn Dow 15, |
Posted By: Ncoke
Date Posted: Sep/04/2020 at 10:36pm
| Thank you, The Kool aid is getting me some training and my 7/66 paid for so I'm happy. It's my first job in the industry and I liked the people in the office more than other firms I talked to. I never signed a guardian FR contract and as far as I know I'm an independent agent and not captive to guardian products. What I was told is that when I'm securities liscenced I will be a 1099 for PAS. Is PAS a shitty BD? I made sure there was no non compete during my interviews. The panning is done with the living balance sheet. I'm not a big fan of the software, but it will make do for now. |
Posted By: Ncoke
Date Posted: Sep/04/2020 at 10:42pm
| I'm sitting at home fuckin shaking. |
Posted By: Ncoke
Date Posted: Sep/04/2020 at 10:46pm
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Posted By: PEACH_cm
Date Posted: Sep/04/2020 at 10:51pm
| I am not very familiar with guardian contracts but I guarantee you are considered a career agent. |
Posted By: socalfa
Date Posted: Sep/06/2020 at 1:11am
I don't know Guardian specifically, but from experiencing other insurance based b/ds: "made sure there was no non compete during my interviews" is not meaningful. The interviewers will say anything and if it's not written down, doesn't matter. You might be a statutory employee, bastard child between 1099/W2 for insurance salesmen specifically. Anyway if they get you the 7/66 that's good enough, but read your contract closely.... That, and not whatever the interviewer said, is what will eventually matter.
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