I have been doing an internship at MM for a couple of weeks. I have the opportunity to join them. The culture is appealing for the most part. One concern I had is that when I hear other "financial professionals" on the phone with clients or prospective clients, they seem to be almost begging. Maybe it is just a$$ kissing. Is this a pretty widespread thing? Do you really have to give up your pride and respect and semi-beg to get clients. I know some established indy advisors who have clients come right to them without even asking for them.