First I would like to say this is a great forum, very informative, and nice brotherhood. Now to get to the meat, Im newly licensed and decided that if im going to hit it hard, then I might as well do it with a top firm such as ML. They love my enthusiasm, drive, and the fact that I played football in the sense that I understand client acquisition is the same game. Now, they want me to explain my business plan and my target markets. I have ideas and my mom has given some, but I will be grateful to lend my ears to whatever advice you guys have to say. I know this might seem like a stupid question but do you think retired teachers would be a reliable market to state in my plan? My dad is a teacher he knows some that have well over 350,000 in their retirement account. But tell me your opinions as I am willing to listen..or pm me. Oh and please dont waste your time by trying to give me a wakeup call about this industry; I understand the retention rate, the fate of newbies and oldies, wirehouse politics, and so on. But you guys are great at giving info whether its good or bad so cheers to everyone's career!