I'm a seg. 3 at EDJ and have about a 16k avg. and about 10mm on the books after 18 months. I just got an offer to join an Ameriprise Indy practice. The guy I'm considering joing up with is a LARGE producer .. 2mm+ and he just bought a book he can't service. It's around 100mm. Am I missing something here? This sounds like a great chance to take my income up another level. We are neg. payouts and a short 6-9 month salary. What questions should I be asking? Any insight would be great. Just plain sick and tired of giving 60% away each month.