Best platform for my business...

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intrigued's picture
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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. 

anonymous's picture
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Joined: 2005-09-29

This isn't answering any of your questions...
If you want to be successful as a fincancial advisor, stop doing any work as a financial advisor.  Focus all of your time on growing your CPA practice.  At the same time, find a good financial advisor.  Refer all of your clients to this financial advisor.  Let him do 100% of the work and split the fees/commissions 50/50.  
If being a financial advisor is your strength, get rid of the CPA practice.   Trying to do both will ultimately hurt your income.   Focus on your strength is the point I'm trying to make.

Captain's picture
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Joined: 2006-04-07

To answer your questions -

1.) Mutual fund trail commissions cannot be paid to your RIA. So, if you
are planning on doing business directly through a mutual fund family
with the expectation that you'll be compensated a trail or commission,
you'll have to run that type of business through a Broker/Dealer
relationship such as your HD Vest.

I would advise you that it would be best to run everything through your
RIA, and just charge an advisory fee. This would put everything on a
single platform... your RIA platform. Transition your trail-based funds
into their institutional counterparts, and charge a percentage fee equal to
what you were receiving as a trail. Or, find better funds now that you
have access to virtually everything under the sun.

2.) You have 2 years (or something like that) to 're-hang' your license
with another eligible BD firm in order for you to continue to earn trails. If
you don't affiliate with a new BD immediately, you no longer earn trail
commissions.

3.) SEP and 401K clients - you have the ability to open accounts with the
custodian for each participant. Bill each account a percentage of the
assets within the account. I don't see an issue with this.

Lastly, I don't totally disagree with the above post - you might be further
ahead, and your clients better served, if you focused on your tax practice
and initiated a sharing arrangement with another advisor who can
manage the money. I've always thought of CPAs who manage the assets
as providing conflicting advice. If they are dedicated to the money
management process, how are they to be considered fully-functioning
financial advisors? I can say with 100% assurance that I wouldn't refer my
client to a tax professional who is 50/50 between two different types of
responsibilities.

Good luck.

C

intrigued's picture
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I take a different approach to things. My strength is taking care of my clients. I contemplated adding financial services to my business for over a year and finally decided it was the right thing to do.  My customers were not getting good advice locally.  I don't know of a "good" financial planner in this area (rural about 1 1/2 hours from major city).  I have no problem consulting with someone else or even referring my client to someone else if their situation presents something I cannot handle.For me a successful practice will not be the one with the most AUM nor will success be defined in $.  Success will be knowing I have done a good job for my clients.  If I net $100K from both of my practices I will be more than happy.I already have the confidence of my clients and have always enjoyed the planning end of things.  I'm getting a little tired of the pressures of tax season and would like to focus on servicing my existing clients on all financial fronts rather than being just their tax advisor.Just the other day I had a client call me to discuss weather or not he should take an offer on his house. My knee jerk  reaction was to tell him not to accept the offer. But we discussed his situation at length, came up with a couple of ways to make the offer acceptable and he hung up the phone very satisfied. This is what I'm about -finding the right solutions to financial situations.My heart is set on this - I just need to choose wisely the path I will follow. As I mentioned in my original post, I'm finding a few to many obstacles in my current situation, and the "haircut" is rather short!  The advisory fees are rather steep which I feel is not in my clients best interest as are a few other issues such as if my client wants to incorporate ETF's they have to do so outside of my advisory account as I'm not series 7 licensed.  Yes I could get my series 7, but is that the best answer? I'm thinking not...perhaps my own RIA would be a better option, hence the questions I posted.I don't care how much an individual client brings me to invest, I want to assist them in whatever manner is best for them. I'm almost sure a fee only practice will the best solution but I want to be sure of that before proceeding.

anonymous's picture
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Joined: 2005-09-29

I'm getting a little tired of the pressures of tax season
How will this solve the problem.  Won't you still have the pressure of tax season combined with no time to help clients with other issues during tax time?
I'm almost sure a fee only practice will the best solution but I want to be sure of that before proceeding.
Do you ignore insurance issues?  I ask because the best solutions for your clients when it comes to insurance involve commissions. 

intrigued's picture
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Captain;You posted your reply while I was typing the above response. I'm glad you took the time to reply as I have read your thread about setting up an RIA. I appreciate your to the point answers.I believe I am facing several of the issues you faced. I asked about setting up accounts directly with mutual fund companies, as I currently am in the process of setting up a couple of SEPS for clients directly with the fund company.  I don't want to have to "move" these clients in a couple of months if I go the RIA route - if I don't have to. If its unavoidable, I will do it, and reimburse my clients for any fees incurred in the transfer.Can you elaborate on why you feel being a CPA is a conflict of interest? Is it that you don't feel a CPA can be well rounded enough to be a good financial planner? I believe we all have our strengths and weaknesses.  I know one of my weaknesses is currently insurance - I refer that business to someone else.  That said, I know enough to identify the need for insurance and can also review solutions offered to assist my client in identifying the best solution for their individual needs.  I am also working on strengthening my knowledge in that area.

intrigued's picture
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I wish we could edit posts in this board. I knew when I typed "I'm getting a little tired of the pressures of tax season" that I would get called on that statement.What I meant is: I don't want to grow that side of my practice anymore, I want to work with my existing clients and a few selected new ones. I may even choose to let a few of the pain in neck customers go. I want to evolve my business, take it to the next step.Anonymous: Do you ignore insurance issues?  I ask because the best solutions for
your clients when it comes to insurance involve commissions. Does this mean that you think all of the fee only planners in this world ignore insurance issues?  But your reply does lead me to another question: Does the ADV deal with insurance issues?

anonymous's picture
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Does this mean that you think all of the fee only planners in this world ignore insurance issues?
It's not that they all ignore insurance issues.  Rather, they are incapable of giving the clients the best solutions.  Even if you become the greatest expert in this area you will have to continue to refer this business to others.
I think that my point is that if you want to do what is in your clients best interest, you may want to be fee-based.  This way, you can use commissioned products when those products are in your clients best interest.

intrigued's picture
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Ahh...thanks for clarifying that...that's exactly what I'm trying to explore...fee based or fee only...Fee based sounds like it leaves more doors open yet how on earth do you incorporate that into your ADV if you haven't so to speak opened that door yet?

troll's picture
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Ask God to direct your thinking then follow your intuitive thoughts. It works every time.

troll's picture
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I'd like to preface my post by saying that I am probably not as familiar with the different structures (RIA vs other structures) as maybe I should be, as I've been with a wirehouse my entire (relatively short 7 year) career.
Seems like working through a B/D gives you a lot more flexibility than going RIA. Maybe you just need to find the right B/D. Why not look at one of the other large ones as an alternative to B/D, like LPL or Commonwealth? Or, is there an alternative, like fee + comm as opposed to one or the other. Fee for the planning, then comm for the OPTION of executing thru you.
Either way, it does seem to me you need to focus on one or the other. Doing a great job on both might entail hiring either a S7 type or a jr CPA, to work alonside you.
JMHO

Dust Bunny's picture
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Joined: 2007-05-07

Doesn't your B/D have a RIA as well as the brokerage side.  Mine does. I'm sitting for the 65 in a few weeks and it is my understanding that I can operate in several ways.  Commission brokerage based business for some clients, fee based for those that would benefit by that and charging by the hour or project for others. 
I would think that trying to establish your OWN RIA firm would be time consuming and paperwork/compliance intensive.  I plan to use the various RIA platforms for fee schedules within my B/D and possibly the money managers that have already been approved.  I'm more of a hands on advisor so I really don't see myself turning over my clients to a money manager instead of being  myself.
For the guys already holding their  65/66,  correct my if my vision of this process is wrong.
Probably the reason you have such a low pay out is that you have low volume of brokerage business?

Vin Diesel's picture
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Joined: 2007-04-18

i think cpa's should stick to what they do best...preparing tax returns. cpa's should not provide investment advice.  
financial advisors dont give tax advice, why should cpa's select investments for clients?

EDJ4now's picture
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Vin Diesel wrote:
i think cpa's should stick to what they do best...preparing tax returns. cpa's should not provide investment advice.  
financial advisors dont give tax advice, why should cpa's select investments for clients?

There is one CPA/financial advisor I have worked with that I think does a reasonably good job at both.  His situation is that he used to be a full time CPA and still does some of that work on the side for his clients, but mostly he has hired a couple of full time CPA's in his office to do 90% of the accounting work so he can focus on the investments.
For the most part, I have been unimpressed with financial advisor work done by CPA's, they seem to have a level of understanding and sofistication (sp) that you usually see with Primerica or some of the other untrained part timers out there.  They also tend to let the tax tail wag the performance dog.
Not sure if that adds to the discussion, other than my advice to pick a horse and ride it.  If you try to do both, you will do neither particuarly well, and your more desiriable clients and prospects will notice.

intrigued's picture
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Quote:i think cpa's should stick to what they do best...preparing tax returns. cpa's should not provide investment advice.  
financial advisors dont give tax advice, why should cpa's select investments for clients?[\quote]Hmm..perhaps it's some of your clients whom I'm helping out...those who have been sold regular IRA's who don't even have taxable income, Roth IRA's when their income is too high...Pardon me but I believe tax planning and financial planning should be integrated...whether you choose to wear all hats or some is up to each individual as long as you keep your client's best interest in mind. I don't hold myself out as an expert in all fields but I can assist my clients with an investment/financial/tax plan and draw on experts for those area where I'm not fully experienced.Why do you think CPA's are just tax return preparers?  Please qualify your statement why you think CPA's should not provide investment advice? Do you truly believe they can't and don't have the skills? I see many recognized financial planners have their CPA designation.Perhaps I should add to this conversation that outside of tax season I only need to currently put in approximately 20 hours per week with my CPA practice. So let's get back on track with this discussion.Some have suggested searching out a better broker/dealer and that may be a wise idea.  Any recommendations on BD's that offer quite a bit of flexibility?If registered at the state level is RIA compliance really that cumbersome?

troll's picture
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I didn't learn anything from the coursework that I took for my accounting degrees that qualified me to give investment advice. However, it sure helped me learn what I needed to know for this business a lot more quickly. Also, I can communicate with business people with a higher level of sophisitcation than most brokers. Also, I don't believe that I could be very good at trying to do both at the same time.

anonymous's picture
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Perhaps I should add to this conversation that outside of tax season I only need to currently put in approximately 20 hours per week with my CPA practice.
During tax season, how many hours will you be able to devote to your financial planning clients?
 

intrigued's picture
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My tax clients are my financial planning clients they are not mutually exclusive...so as much as they need.  My question is not can I it is how best can I serve my clients.  I took over 2 years to come to the decision to add these services to my practice -it was no overnight decision. I reviewed alternatives and concluded that this was the best solution.So please forget that I'm a CPA, as far as I'm concerned its a moot issue.

Indyone's picture
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I do both, although it didn't take long for me to determine that I like the investment business a whole lot better.  If I could fire my family and friends, I'd be completely out of the accounting business.
...not to mention that the pay in the accounting business sucks in comparison.

troll's picture
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Indyone wrote:
I do both, although it didn't take long for me to determine that I like the investment business a whole lot better.  If I could fire my family and friends, I'd be completely out of the accounting business.
...not to mention that the pay in the accounting business sucks in comparison.

Accountants don't make nearly as much as people think.

vbrainy's picture
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Indyone wrote:
I do both, although it didn't take long for me to determine that I like the investment business a whole lot better.  If I could fire my family and friends, I'd be completely out of the accounting business.
...not to mention that the pay in the accounting business sucks in comparison.

Why would you fire your friends and family if they are good clients?  Didn't they stand by you when you started?
Just hire a competant person to handle this aspect for you, and you oversee it.
Have you talked with them about wanting to change this part of your business?  You might be surprised that they want a change too.

Vin Diesel's picture
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intrigued wrote:
Quote:i think cpa's should stick to what they do best...preparing tax returns. cpa's should not provide investment advice.  
financial advisors dont give tax advice, why should cpa's select investments for clients?[\quote]
Hmm..perhaps it's some of your clients whom I'm helping out...those who have been sold regular IRA's who don't even have taxable income, Roth IRA's when their income is too high...Pardon me but I believe tax planning and financial planning should be integrated...whether you choose to wear all hats or some is up to each individual as long as you keep your client's best interest in mind. I don't hold myself out as an expert in all fields but I can assist my clients with an investment/financial/tax plan and draw on experts for those area where I'm not fully experienced.Why do you think CPA's are just tax return preparers?  Please qualify your statement why you think CPA's should not provide investment advice? Do you truly believe they can't and don't have the skills? I see many recognized financial planners have their CPA designation.Perhaps I should add to this conversation that outside of tax season I only need to currently put in approximately 20 hours per week with my CPA practice. So let's get back on track with this discussion.Some have suggested searching out a better broker/dealer and that may be a wise idea.  Any recommendations on BD's that offer quite a bit of flexibility?If registered at the state level is RIA compliance really that cumbersome?
im not a fan of having the same person who prepares your taxes help you select your investments.
or else why stop there, maybe i'll ask my real estate agent to prepare my taxes

Indyone's picture
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vbrainy wrote:Indyone wrote:I do both, although it didn't take long for me to determine that I like the investment business a whole lot better.  If I could fire my family and friends, I'd be completely out of the accounting business.
...not to mention that the pay in the accounting business sucks in comparison.
Why would you fire your friends and family if they are good clients? I'd fire them because tax/accounting work is time-consuming, less profitable than investment management, and you get to deal regularly with bureaucratic idiots (much worse than your B/D's compliance people) Didn't they stand by you when you started? They sure did...and that guilt keeps me in the accounting business.
Just hire a competant person to handle this aspect for you, and you oversee it.  I basically do this now...and it's still more of the accounting world than I want!
Have you talked with them about wanting to change this part of your business?  You might be surprised that they want a change too.  Actually, I have told a couple of them and the feedback I got was, "you can't quit!"  Sure, I could force all of them out, but I wouldn't feel like I've treated them as I would want to be treated.

BullBroker's picture
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Indyone wrote:You are never free...unless you are independent... 
I love your signature Indyone.......so naive, but it's the classic falsehood that has herded all the indies into thinking they are atop the financial services industry.  Just remember none of us are "independent" of the client or big brother NASD/SEC!!  But, if it makes you feel superior by all means dream away. 

troll's picture
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BullBroker wrote:Indyone wrote:You are never free...unless you are independent... 
I love your signature Indyone.......so naive, but it's the classic falsehood that has herded all the indies into thinking they are atop the financial services industry.  Just remember none of us are "independent" of the client or big brother NASD/SEC!!  But, if it makes you feel superior by all means dream away.  How long have you been independent?

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BullBroker wrote:Indyone wrote:You are never free...unless you are independent...  I love your signature Indyone.......so naive, but it's the classic falsehood that has herded all the indies into thinking they are atop the financial services industry.  Just remember none of us are "independent" of the client or big brother NASD/SEC!!  But, if it makes you feel superior by all means dream away.
Having been at this awhile, I'm anything but naive about the business.  Your statements are classic falsehoods spoken by a branch manager trying to keep the sheep in the fold.
Freedom is a relative term.  I came it at 9:30 this morning, but will work until midnight (Wednesdays are my long days), so freedom doesn't necessarily mean short hours, but it does mean flexible hours and no manager asking where I've been.  Freedom will never mean freedom from compliance/NASD/SEC, but it does mean freedom from stupid management rules like X appointments per day.  Freedom strips away most production goals, with the exception of one minimum that I easily hit just by servicing what I have.
Of course we must take care of our clients, and now I have the freedom to do so without stupid management interference.  I'll never forget being asked to quit using a certain investment, not because it wasn't good for the clients, but instead because it caused some extra bookkeeping for our back office.
You've also mistaking my satisfaction with all the freedom I now have for a feeling of superiority.  While I won't deny an occasional feeling of superiority to mental midgets such as yourself, I have no problem admitting that there are producers who post here who (1) are smarter than me, (2) have higher production/AUM than me and/or (3) are probably better salespeople than I am.  That being said, I've witnessed several people here who obviously felt pretty superior only to watch them eat crow later.  Bill Fakkland, who would defend Edward Jones as the best thing since sliced bread only to earlier this year admit that he'd been wrong about his impressions of his employer.  Greenhills who strutted and pranced on these forums only to recently admit that SB was screwing him and his coworkers.  You're obviously pretty new at this, so don't be surprised if someday you feel like your employer is sticking it to you in some fashion.  Bottom line is, I don't feel "atop the financial services industry"...I feel freedom like I've never felt it before and there's no doubt in my mind that both my clients and I are better served by my decision to break free.
As for my tagline...I think it is a statement that's pretty close to reality, like it or not.  I'm convinced that for me, it was absolutely the right move.  You're more than welcome to use "you'll never be successful...unless you're working in a wirehouse."  Just don't expect me to buy it.

Dust Bunny's picture
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Indyone wrote:
BullBroker wrote:Indyone wrote:You are never free...unless you are independent...  I love your signature Indyone.......so naive, but it's the classic falsehood that has herded all the indies into thinking they are atop the financial services industry.  Just remember none of us are "independent" of the client or big brother NASD/SEC!!  But, if it makes you feel superior by all means dream away.
Having been at this awhile, I'm anything but naive about the business.  Your statements are classic falsehoods spoken by a branch manager trying to keep the sheep in the fold.
Freedom is a relative term.  I came it at 9:30 this morning, but will work until midnight (Wednesdays are my long days), so freedom doesn't necessarily mean short hours, but it does mean flexible hours and no manager asking where I've been.  Freedom will never mean freedom from compliance/NASD/SEC, but it does mean freedom from stupid management rules like X appointments per day.  Freedom strips away most production goals, with the exception of one minimum that I easily hit just by servicing what I have.
Of course we must take care of our clients, and now I have the freedom to do so without stupid management interference.  I'll never forget being asked to quit using a certain investment, not because it wasn't good for the clients, but instead because it caused some extra bookkeeping for our back office.
You've also mistaking my satisfaction with all the freedom I now have for a feeling of superiority.  While I won't deny an occasional feeling of superiority to mental midgets such as yourself, I have no problem admitting that there are producers who post here who (1) are smarter than me, (2) have higher production/AUM than me and/or (3) are probably better salespeople than I am.  That being said, I've witnessed several people here who obviously felt pretty superior only to watch them eat crow later.  Bill Fakkland, who would defend Edward Jones as the best thing since sliced bread only to earlier this year admit that he'd been wrong about his impressions of his employer.  Greenhills who strutted and pranced on these forums only to recently admit that SB was screwing him and his coworkers.  You're obviously pretty new at this, so don't be surprised if someday you feel like your employer is sticking it to you in some fashion.  Bottom line is, I don't feel "atop the financial services industry"...I feel freedom like I've never felt it before and there's no doubt in my mind that both my clients and I are better served by my decision to break free.
As for my tagline...I think it is a statement that's pretty close to reality, like it or not.  I'm convinced that for me, it was absolutely the right move.  You're more than welcome to use "you'll never be successful...unless you're working in a wirehouse."  Just don't expect me to buy it.

  

BullBroker's picture
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I will agree with you that freedom is a relative term.  Sorry, just couldn't resist, the majority of the "indies" on this board act "superior" and are usually the ones demeaning the "newbies".  So, I like to stir the pot a little and get the ones like "Joeda" riled up, it's really easy, and fun after a long day of pounding the bushes.  Take it easy indy, for whatever its worth you earned my respect by intelligently responding instead of just bashing.   

Indyone's picture
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...fair enough...I don't mind stirring the pot from time to time...

blarmston's picture
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Indy- you shouldnt admit to doing anything with pot on these forums.. Big brother is watching, and he is coming for your stash....

troll's picture
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BullBroker wrote:I will agree with you that freedom is a relative term.  Sorry, just couldn't resist, the majority of the "indies" on this board act "superior" and are usually the ones demeaning the "newbies".  So, I like to stir the pot a little and get the ones like "Joeda" riled up, it's really easy, and fun after a long day of pounding the bushes.  Take it easy indy, for whatever its worth you earned my respect by intelligently responding instead of just bashing.   I am not riled up, actually.Indyone said it pretty well.So....how long have you been indy?  I presume that is how you acquired your expertise?If you are not indy, how long have you had your license?

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No, I am not an Indy, just listen to them talk about how great their lives are (thats how I have obtained some knowledge, never claimed expertise, so sorry to steal that potential comeback from you, I bet you will still use the "you've only been in the business for less than 1 year so you know nothing bit" unoriginal but you can play it if it's all ya got".  I have been licensed for six months now thank you for asking.  Have a great weekend Joe.....da!! 

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BullBroker wrote:No, I am not an Indy, just listen to them talk about how great their lives are (thats how I have obtained some knowledge, never claimed expertise, so sorry to steal that potential comeback from you, I bet you will still use the "you've only been in the business for less than 1 year so you know nothing bit" unoriginal but you can play it if it's all ya got".  I have been licensed for six months now thank you for asking.  Have a great weekend Joe.....da!! 
PoleSmoker, I don't have anything to say to you. I just wanted to call you "PoleSmoker."

troll's picture
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BullBroker wrote:No, I am not an Indy, just listen to them talk about how great their lives are (thats how I have obtained some knowledge, never claimed expertise, so sorry to steal that potential comeback from you, I bet you will still use the "you've only been in the business for less than 1 year so you know nothing bit" unoriginal but you can play it if it's all ya got".  I have been licensed for six months now thank you for asking.  Have a great weekend Joe.....da!! You win your bet, Junior.  You're hardly out of diapers....frankly it was pretty obvious from some of your remarks.  If you get to 2 years, much less 5 years, you'll understand better.If you're willing to do the extra work to get your feet under you, and take the responsibility of being your own boss, the freedom that comes with being Indy can be pretty darn good.  It's just that simple.  There's so much dead weight you don't even understand yet.But some day you might, if you don't end up pumping gas for a living.....

BullBroker's picture
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Very original Joe, keep that stuff coming!!  Hey, how does it feel to know everything, and know what is best for everyone??  I guess I will figure out when I get old too

BullBroker's picture
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I think it is hillarious that Bobby Hull has only been here since March 2007 and has already racked up 700 post of useless filth.  How can someone who is supposed to be an intellectual, knowledgable, and well-spoken as a FA be so completly ignorant and useless???  I guess it takes a talent that only a rare few possess. 

crashcourse's picture
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Not many people here have the guts to say what you said.
I notice Joe is quick to come to Bobby's defense. The need to bully and control does indeed appear to create strange bedfellows ( no humour intended about Bobby's now famous diminished unit).

troll's picture
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crashcourse wrote:
Not many people here have the guts to say what you said.
I notice Joe is quick to come to Bobby's defense. The need to bully and control does indeed appear to create strange bedfellows ( no humour intended about Bobby's now famous diminished unit).

She is DEFINATELY Parachute/Freedomadvocate, etc.

parachute's picture
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crashcourse wrote:
Not many people here have the guts to say what you said.
I notice Joe is quick to come to Bobby's defense. The need to bully and control does indeed appear to create strange bedfellows ( no humour intended about Bobby's now famous diminished unit).

I'd like to know where in the hell were you when I was being cyberbullied by this bully!!!!  But welcome back!
Obviously you didn't care for the trash talk about your mommie.
Next, beware:  he'll tell you to jump in her lap and light a match. Oh yeah, he enjoys encouraging suicide and should go assist Dr. Death who just got out of prison.
Joe says he is not him so I will have to believe him.
Glad you are now reading/willing to put that little d*k in his place. I'm done posting but wanted to say: yeah, give him some of his own medicine and the fact that you are in the biz - guess gives you the right to really "sock" it to him... I hear he might runing low on socks, too.  Don't let him get to you: you must be persistent.  If he cyberbullies: there's always the press, FBI or Oprah but be willing to give your real name if you want any action from them.
I for one support you!

parachute's picture
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crashcourse wrote:
Not many people here have the guts to say what you said.
I notice Joe is quick to come to Bobby's defense. The need to bully and control does indeed appear to create strange bedfellows ( no humour intended about Bobby's now famous diminished unit).

hmmm, are you implying that joe and bobby bully are bedfellows (e.g. butt buddies)?  They seem to cover each other's backside quite a bit.

Dust Bunny's picture
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Joined: 2007-05-07

parachute wrote:crashcourse wrote:
Not many people here have the guts to say what you said.
I notice Joe is quick to come to Bobby's defense. The need to bully and control does indeed appear to create strange bedfellows ( no humour intended about Bobby's now famous diminished unit).

hmmm, are you implying that joe and bobby bully are bedfellows (e.g. butt buddies)?  They seem to cover each other's backside quite a bit.

Is it fun having conversations with yourself? 

parachute's picture
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Joined: 2007-04-22

Well, Dust Bill--we know you are a man: you're little Bunny Ranch disguise isn't fooling anyone, it's like this Dusty Bill:  if I had wanted to talk about him being a Dickhead, I would have done that already but I don't do that sort of thing.  When you talk about cyberbullying, you normally don't cyber bully back. 
I don't talk about small penises: it's the performance that counts.  Whatever works for you!
But I do talk about small members:  and he is a small minded member on this board. 
Obviously crashcourse (who appears to be in the biz: does he have your approval to post here?) got tired of the cyberbully 'hijinks' so he's giving him a dose of his own medicine.
As for my other comment:  I couldn't resist that one.
I'm done posting but wanted to show a little support for crashcourse who apparently didn't like him molesting his mom.  Sometimes nothing gets the job done better than a little dose of their own medicine.  Way to go: crashcourse &doberman.
I'm surprised joedabrkr never addressed his behavior but he never liked me or liked my posting here thus why he apparently enjoyed this bully treating me this way with.  It's like this, some people just don't have any empathy as long as it's not happening to them.
Bipolarman and bullyboy do seem adept at watching each other's backsides ...when bipolar man told me that Bullyboy was trashing him if you read the pm excerpt.  Does make you wonder about whether these people are the same?  Or maybe he/they/it decided to brown nose. Strange happenings here.
People like to call me on my aliases but I calls them likes I sees them and something's very smelly about these butt buddy socks?   If the sock fit's ... well, you know.     ewuuuuu! 

Indyone's picture
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Joined: 2005-05-30

Thanks for ruining yet another thread, you schizophrenic idiot...

troll's picture
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Joined: 2004-11-29

BullBroker wrote:Very original Joe, keep that stuff coming!!  Hey, how does it feel to know everything, and know what is best for everyone??  I guess I will figure out when I get old tooI don't know everything Junior, in fact every day I learn something new and realize how little I know.That's your problem-you don't realize how little you know and how ignorant you make yourself sound.  You should try it sometime.

troll's picture
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Joined: 2004-11-29

parachute wrote:I'm done posting but.......but I'll see y'all again in a few hours when I realize I have nothing else to do in my pathetic life."
I'm surprised joedabrkr never addressed his behavior but he never liked me or liked my posting here thus why he apparently enjoyed this bully treating me this way with. DING DING DING!  Johnny tell her what she's won!  How long did it take you to figure that out?People like to call me on my aliases but I calls them likes I sees them and something's very smelly about these butt buddy socks?   If the sock fit's ... well, you know.     ewuuuuu! Wow it's amazing to see YOU of all people post your theories about sock puppets and trolls.  Pot and Kettle all in one paragraph.

parachute's picture
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Joined: 2007-04-22

And before: he said it's a free country: post all you want.  What a control freak: but I don't have to get your permission to post here ..
You didn't push me off the site.  Or your big bouncer bullies either.  You should fully be aware that I will post away if I so choose.
I don't have a good opinion of you not addressing his behavior but it's up to crashcourse: I just wanted to show some support for him.
So if you post here: guess that means you have a pathetic life, too.

troll's picture
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Joined: 2004-11-29

parachute wrote:
And before: he said it's a free country: post all you want.  What a control freak: but I don't have to get your permission to post here ..
You didn't push me off the site.  Or your big bouncer bullies either.  You should fully be aware that I will post away if I so choose.
I don't have a good opinion of you not addressing his behavior but it's up to crashcourse: I just wanted to show some support for him.
So if you post here: guess that means you have a pathetic life, too.

Are you aware of your right NOT to post?

parachute's picture
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Joined: 2007-04-22

Nope wasn't aware of that and I wonder how many posts I'll need to do to be aware of it.
As for you:  I have a Retraining Order that is enforceable by law.
Stay away.  I'm holding up a cross now to keep you away, Evil Bully!
I have no idea why you butt buddies back each other up so much, that is you, bipolar and joedabrkr?  Wearing the same sock I suppose.
Restraining order: stay away or I'll get the media, FBI and even Oprah to investigate you.
crashcourse will take care of you.  I'm vacating the site: it's all yours.

troll's picture
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Joined: 2004-11-29

parachute wrote:
Nope wasn't aware of that and I wonder how many posts I'll need to do to be aware of it.
As for you:  I have a Retraining Order that is enforceable by law.
Stay away.  I'm holding up a cross now to keep you away, Evil Bully!
I have no idea why you butt buddies back each other up so much, that is you, bipolar and joedabrkr?  Wearing the same sock I suppose.
Restraining order: stay away or I'll get the media, FBI and even Oprah to investigate you.
crashcourse will take care of you.  I'm vacating the site: it's all yours.

Please go kill yourself. Have a nice day.

troll's picture
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Joined: 2004-11-29

parachute wrote:Nope wasn't aware of that and I wonder how many posts I'll need to do to be aware of it.
As for you:  I have a Retraining Order that is enforceable by law.
Stay away.  I'm holding up a cross now to keep you away, Evil Bully!
I have no idea why you butt buddies back each other up so much, that is you, bipolar and joedabrkr?  Wearing the same sock I suppose.
Restraining order: stay away or I'll get the media, FBI and even Oprah to investigate you.
crashcourse will take care of you.  I'm vacating the site: it's all yours.No you've misunderstood me.  I have no right to stop you from posting, just like you have no right to infringe my freedom to point out that you are a MORON who contributes NOTHING of use to this community!So post all you want, you idiot.

parachute's picture
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Joined: 2007-04-22

Get back Bully: I have a RESTRAINING order out on you.  The police consider you alarming and dangerous ...and so do I.
Interesting how the butt buddies back each other up, isn't it?
I'm glad I have your approval to post.
And I'm pointing out that you are very antagonistic and hostile.
I wanted to show my support for crashcourse.  Crashcourse, have at it.
 

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