What families did you use most in your first year and what funds in each family? I have been using Franklin and their Mutual Series as well their Franklin US Gov Sec Fund, American's ICA, Hartford's Checks and Balances, as well as their Cap Ap fund. I just want to have a decent arsenal of the best funds to fit most people's risk tolerance and goals that don't want to be put in an advisory account. I want to do the best I can for them while still being new and still learning and beginning a lot of new relationships. My reasons for the funds that I currently use now is that I know the stories and can explain them to a client with confidence. Ultimately I want to know which wholesalers and funds to research further as I build my business so that I can feel confident in those funds as well so I figured it wouldn't hurt to pick a few vets brains on good ol reg rep.