I'm a CPA adding financial services to my practice. I'm currently with HD Vest but not really very satisfied. I'm series 6 and 65 licensed. My problem with Vest is low payout (starts at 55%), their advisory fee structure (they want 1% on the 1st 100,000, doesn't leave much for the advisor), and a few picky licensing issues.I'm considering setting up my own RIA but have a few questions.1) If I do business through my own RIA can I still deal directly with mutual fund families or will all my client funds have to flow through my selected custodian? 2)I believe if I'm not associated with a B/D, I lose my Series 6 license right? Does that mean I can no longer earn trails? 3) Much of my business is assisting small business clients with SEP's and 401(k)'s and I can't figure out a decent way to work with these clients on a strictly fee basis. What are common fee structures for work of this nature?I appreciate any input and recommendations as I explore this avenue.