I curious to see what everybody's take would be on a brand new FA's product inventory.  I know that some of you have probably been in the business for a while now, but I was wondering what your product inventory first looked like when you first started.  I find that one of the other difficult things to figure out once you do get some warm leads or prospects is figure out what is the most suitiable investment vehicle for them.  Understanding that every client is different based on there needs and/or goals, but what would you reccomend as a strong base to pull from stocks, bonds, mf's, uit's, etf's, etc... Specifics would be great.