So I'm 25 years old and I started in this career in January of this year at an affiliate of Guardian Life Insurance Company knowing full well that I would be mainly selling whole life insurance etc. but it was good training and I got sponsored to take my series 7 and 66 which was my overall goal. I've recently passed both of those and am now in the process of moving over to Morgan Stanley Smith Barney. I have interviewed with them and have basically agreed to be put into the FAA program in December or January when there is room. Since I have already passed all of my tests it will cut about 4 months off of the program for me but I am wondering how much salary I should try to negotiate for and would like some input. At my current company by the end of the year I will have done over 50k in life insurance commissions and over $1M in managed money and a couple of fairly large annuity sales etc. Therefore by year end my total compensation will most likely be around the 65k+ range. Now at my company after your first year typically you renegotiate your draw to a higher rate than what your production was the previous year so in all likelihood my draw next year would be at least in the 70k range. Since MS pays an actual salary would it be fair to try to negotiate something in the 70-80k range? I would assume that is on the higher end of starting salaries for them but I also have a client that will be bringing over a $3M account very soon after I switch so I would think that would give me some added leverage and justification in salary negotiation. Any input appreciated.