I have been with ML 5 years as a Financial Advisor, and I'm currently 27 years old. I'm considering leaving Merrill Lynch because I don't feel like they really appreciate the young up and coming advisor. I.E. potential penalty boxes, continually reducing grid payouts, no retention bonus, etc. I also feel like I have done a good job, although I still fall under quintile 3, and most of the guys I started with are no longer there. Although, I don't the the Independant route is best for me at this point, I feel like a "big" name is what I would be looking at. My AUM is 38 MM, Revenue 330k, and Production Credits of $240K. I really don't have any concerns that the majority of my clients won't follow me. Given my situation, I would really appreciate the forums input as to a few questions:1.) Corporate Culture. Which firm(s) would provide the best culture to someone like me? I have heard Morgan Stanley has a rising stars program, but i don't know if WFC/Wachovia, UBS or the like have anything similar.2.) Looking For Opportunities. Would it be wise to use a recruiting service? Should I reach out to friends of mine in the industry? What would you do?3.) Recruiting Packages. When people say there are offers out there toting 240% - 300% packages, is that on revenue I bring to the firm or the production numbers? I work at ML, so that could be a significant difference between revenue and PC's. What would a typical deal look like for someone in my position?Any advice that you could give me would be great. Thanks so much.