Being relatively new to the business(4 months), I am frequently encouraged to do joint work with experienced advisors. The problem comes when doing retirement income planning for example. We may have fundamental disagreements about planning; i.e. equities vs. bonds. But at this stage, I am only able to use brokerage[commission accounts] and not our advisory[fee] accounts, unless I utilize joint work. But still, I only get a referral fee in that instance[the account will techically be there own]. Once I have been here for 3 years, I can do advisory, but am limited until then to brokerage. I have devided not to go the joint work route because it is very important to me to be seen at the primary financial advisor and builds relationships so that clients trust me implicitly - I don't believe that joint work sets me up well for that. How do I set up my practice in brokerage now to be able to transition to advisory at my three year mark? Brokerage with C-shares has been one suggestion I have received... I would greatly appreciate any input.