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",{"_88":828,"_829":902,"_814":903},{"_831":832},[904],{"_88":847,"_847":905}," ","Why convergence is coming and what it means.","body","callToAction",{"_847":910,"_56":911},"Read more","/financial-planning/wealth-managers-and-rpa-advisors",{},"#","2023-02-02T23:36:00.000Z",{"_763":32,"_764":916},[],{"_88":918,"_743":919},"module_link_list",{"_920":921,"_922":393,"_923":924,"_925":177,"_926":927,"_518":32,"_932":933},"listOption","Dynamic","listTitle","icon","ChalkBoard","externalFeed","ctaButton",{"_928":929,"_930":931},"ctaButtonLink","/wealth-management-webinars ","ctaButtonText","View more","articles",[934,940,942,949],{"_183":252,"_112":285,"_56":286,"_935":32,"_936":289,"_937":938,"_939":287,"_180":250},"isExternalLink","readTime","publishedDate","2025-02-26T22:06:21.000Z","eventDate",{"_183":252,"_112":245,"_56":247,"_935":32,"_936":254,"_937":941,"_939":249,"_180":250},"2025-02-25T18:04:00.000Z",{"_183":252,"_112":943,"_56":944,"_935":32,"_936":945,"_937":946,"_939":947,"_180":948},"WealthManagement.com Industry Awards 2025: Top Tips for Submitting a Winning Nomination","/wealth-management-industry-awards/wealthmanagement-com-industry-awards-2025-top-tips-for-submitting-a-winning-nomination",45,"2025-02-20T18:14:00.000Z","Feb 20, 2025","1:00 pm EST",{"_183":252,"_112":950,"_56":951,"_935":32,"_936":289,"_937":952,"_939":953,"_180":954},"Breaking Away, Going Independent: What to know before you go","/business-planning/breaking-away-going-independent-what-to-know-before-you-go","2025-02-19T22:53:02.000Z","Mar 11, 2025","2:00 pm EDT",{"_88":956,"_743":957},"module_event_promo",{"_112":958,"_959":960,"_961":177,"_962":177,"_963":24,"_964":965,"_966":967,"_178":968,"_107":969,"_970":971,"_972":973},"RSB - Event promo","logoPosition","Left","backgroundImage","backgroundColor","isConstrained","logoSrc","https://eu-images.contentstack.com/v3/assets/bltabaa95ef14172c61/bltc8c483ee7577fd5f/679402f9101c3644d1914ad5/RIA-Nashville-Black.png","logoAlt","RIA Edge Nashville","Apr 1 - Apr 3, 2025","Learn from top leaders tackling growth, pay, and personnel challenges daily.","btnCTAText","Learn More","btnCTALink","https://informaconnect.com/ria-edge-nashville/",{"_88":975,"_743":976},"module_publication_promo",{"_112":977,"_791":978,"_979":980,"_981":960,"_930":982,"_983":984,"_990":991},"Trusts & Estates Magazine","blt529eec50cacc25f9","promoLabel","Latest Digital Edition","textPosition","Read More","promoPublication",{"_112":985,"_821":986,"_515":987,"_505":988,"_56":989},"Trusts & Estates: February 2025 Digital Edition","Feature on Ultra-High-Net-Worth Families & Family Offices","https://eu-images.contentstack.com/v3/assets/bltabaa95ef14172c61/blt72b1d763b36e1e90/6797d47edd317102c0dec516/TECoverFeb2025.png","Trusts Estates February 2025","/publications/trusts---estates/trusts-estates-february-2025-digital-edition","relatedContent",[],"sidebarModuleIds",[],"sidebarOptions","programHeader",{"_726":727,"_502":997,"_999":727,"_1000":1001,"_962":177,"_799":808,"_56":177},{"_56":998},"https://eu-images.contentstack.com/v3/assets/bltabaa95ef14172c61/bltb2b97c8dc5044c5e/67239d7ce88bac59d13a489e/WMMagLogo.jpg","logoAltText","tagline","Wealth Management Magazine features the best of WealthManagement.com, including news, trends, topics and research important to financial advisors.","isBranded","isModular","featuredContent",{"_183":184,"_163":1006,"_185":1007,"_169":1014,"_171":1014,"_174":1015,"_757":1016,"_176":177,"_178":1017,"_180":177,"_172":1018,"_1019":177,"_195":807,"_181":146,"_182":147,"_193":1020,"_761":1021,"_1023":1024},{"_165":177,"_167":177},[1008],{"_54":1009,"_189":1010,"_191":1011,"_1012":1013},"Mindy Diamond","/author/mindy-diamond","https://eu-images.contentstack.com/v3/assets/bltabaa95ef14172c61/bltb19398d4e2e8dfdd/6724b9b5e28fd5d3df89b233/mindy-diamond-web_0.jpg","role","CEO, Diamond Consultants","Prospects Grim for Wirehouse Brokers with Hybrid Books of Business","/wirehouse-news/prospects-grim-for-wirehouse-brokers-with-hybrid-books-of-business",{},"Oct 1, 2004","Wirehouse brokers with hybrid books of business—those with both retail and midmarket institutional accounts—could soon be on the endangered species list, if the recent actions of Merrill and UBS are any guide.","articleBodyJsonSummary",3,{"_763":32,"_764":1022},[],"articleSize","big","latestBigContents",[1027,1039],{"_183":184,"_163":1028,"_185":1029,"_169":1030,"_171":1031,"_174":1032,"_757":1033,"_176":177,"_178":1017,"_180":177,"_172":1034,"_1019":177,"_195":807,"_181":1035,"_182":133,"_193":1036,"_761":1037,"_1023":1024},{"_165":177,"_167":177},[],"Comings & Goings 2004-10-01","Comings & Goings","/wealth-management-industry-trends/comings-goings-2004-10-01",{},"UBS hired away one of Merrill Lynch's largest producers in Arizona, Kenneth Fruehauf. Based in Scottsdale, Fruehauf had worked for Merrill since December 1992 and had brought his assets under management up to $255 million, with a $2.8 million production number. He instantly becomes one of UBS' top 10 producers. UBS also hired a team from Credit Suisse First Boston, Jordan Black and Diane Skerl, to","Industry News & Trends",2,{"_763":32,"_764":1038},[],{"_183":184,"_163":1040,"_185":1041,"_169":1045,"_171":1045,"_174":1046,"_757":1047,"_176":177,"_178":1017,"_180":177,"_172":1048,"_1019":177,"_195":807,"_181":1035,"_182":133,"_193":1020,"_761":1049,"_1023":1024},{"_165":177,"_167":177},[1042],{"_54":1043,"_189":1044,"_191":177,"_1012":177},"John Churchill","/author/john-churchill","Broker...Advisor... Broker...Advisor—Let's Call the Whole Thing Off!","/wealth-management-industry-trends/broker-advisor-broker-advisor-let-s-call-the-whole-thing-off-",{},"If you're a broker, chances are you introduce yourself to clients and prospects as a financial advisor or financial consultant. The Financial Planning Association and some consumer groups are in court in an effort to break you of that habit and the issue will be coming to a head soon. The FPA is suing the SEC to rescind a five-year-old rule, sometimes known as the Merrill Lynch exemption, that since",{"_763":32,"_764":1050},[],"latestSmallContents",[1053,1063,1073],{"_183":184,"_163":1054,"_185":1055,"_169":1057,"_171":1057,"_174":1058,"_757":1059,"_176":177,"_178":1017,"_180":177,"_172":1060,"_1019":177,"_195":807,"_181":1035,"_182":133,"_193":1020,"_761":1061,"_1023":1024},{"_165":177,"_167":177},[1056],{"_54":1043,"_189":1044,"_191":177,"_1012":177},"The Election and You","/wealth-management-industry-trends/the-election-and-you",{},"For many Americans, Tuesday, Nov. 2 will be a tense and exciting day, as the country decides who will sit in the White House for the next four years. For Wall Street, however, which candidate ultimately rules the world's highest roost may only be a short-term concern. According to many industry insiders, the election probably will cause an initial wave in the markets, but it is one that's unlikely",{"_763":32,"_764":1062},[],{"_183":184,"_163":1064,"_185":1065,"_169":1067,"_171":1067,"_174":1068,"_757":1069,"_176":177,"_178":1017,"_180":177,"_172":1070,"_1019":177,"_195":807,"_181":1035,"_182":133,"_193":1036,"_761":1071,"_1023":1024},{"_165":177,"_167":177},[1066],{"_54":1043,"_189":1044,"_191":177,"_1012":177},"PNC Aims for the Mass Market","/wealth-management-industry-trends/pnc-aims-for-the-mass-market",{},"Pittsburgh-based PNC Investments, the brokerage arm of PNC Bank, is deep into an aggressive hiring campaign, aiming to add 100 financial consultants by year's end an effort it hopes to duplicate in 2005. The hiring jag is part of a push to attract mass-market clients those with $100,000 to invest or less whom PNC believes are neglected by high-net-worth-obsessed wirehouses. We've hired 63 people so",{"_763":32,"_764":1072},[],{"_183":184,"_163":1074,"_185":1075,"_169":1079,"_171":1079,"_174":1080,"_757":1081,"_176":177,"_178":1017,"_180":177,"_172":1082,"_1019":177,"_195":807,"_181":1035,"_182":133,"_193":333,"_761":1083,"_1023":1024},{"_165":177,"_167":177},[1076],{"_54":1077,"_189":1078,"_191":177,"_1012":177},"Will Leitch","/author/will-leitch","RIAs Kickin' Back","/wealth-management-industry-trends/rias-kickin-back",{},"Talk about paying to play. Three registered investment advisors were accused by the SEC of accepting cash payments from TD Waterhouse in return for putting client assets with Waterhouse. The SEC announced in late September that it had fined TD Waterhouse $2 million for making undisclosed cash payments to three different independent registered investment advisors. The key word here is TD Waterhouse",{"_763":32,"_764":1084},[],"content1",[1087,1098,1108,1119,1133,1145,1159,1173,1187,1202],{"_183":184,"_163":1088,"_185":1089,"_169":1091,"_171":1091,"_174":1092,"_757":1093,"_176":177,"_178":1017,"_180":177,"_172":1094,"_1019":177,"_195":807,"_181":1035,"_182":133,"_193":1095,"_761":1096,"_1023":1024},{"_165":177,"_167":177},[1090],{"_54":1077,"_189":1078,"_191":177,"_1012":177},"Concerns Abound for Industry Growth","/wealth-management-industry-trends/concerns-abound-for-industry-growth",{},"Is a 61 percent decrease in profits from one year to the next a reversion to the mean or an ominous sign of cloudy skies ahead? This is a question the soggy middle of 2004 has raised for some reps. Profits for brokerage firms dropped 61.2 percent from the second quarter of 2003, from $7.7 billion to $2.98 billion. That's also a staggering 60.7 percent below the first quarter of 2004, which notched",1,{"_763":32,"_764":1097},[],{"_183":184,"_163":1099,"_185":1100,"_169":1102,"_171":1102,"_174":1103,"_757":1104,"_176":177,"_178":1017,"_180":177,"_172":1105,"_1019":177,"_195":807,"_181":1035,"_182":133,"_193":194,"_761":1106,"_1023":1024},{"_165":177,"_167":177},[1101],{"_54":1077,"_189":1078,"_191":177,"_1012":177},"The Death of the Peter Principle?","/wealth-management-industry-trends/the-death-of-the-peter-principle-",{},"Branch managers are supposed to be to borrow Reggie Jackson's own assessment of himself when he played for the Yankees the straw that stirs the drink. That is to say, branch managers are supposed to make it rain: identify and recruit talent, manage branch business operations, help close on new business and, in general, motivate reps to new professional heights. Branch managers also used to be expected",{"_763":32,"_764":1107},[],{"_183":184,"_163":1109,"_185":1110,"_169":1112,"_171":1112,"_174":1113,"_757":1114,"_176":177,"_178":1017,"_180":177,"_172":1115,"_1019":177,"_195":807,"_181":1035,"_182":133,"_193":1116,"_761":1117,"_1023":1024},{"_165":177,"_167":177},[1111],{"_54":1043,"_189":1044,"_191":177,"_1012":177},"These Go To Eleven","/wealth-management-industry-trends/these-go-to-eleven",{},"It's no secret that sales assistants are the administrative linchpins of many a brokerage office, but never before has their role been so crucial to the smooth operation of their practices.",23,{"_763":32,"_764":1118},[],{"_183":184,"_163":1120,"_185":1121,"_169":1127,"_171":1127,"_174":1128,"_757":1129,"_176":177,"_178":1017,"_180":177,"_172":1130,"_1019":177,"_195":807,"_181":1035,"_182":133,"_193":1020,"_761":1131,"_1023":1024},{"_165":177,"_167":177},[1122],{"_54":1123,"_189":1124,"_191":1125,"_1012":1126},"Matt Oechsli","/author/matt-oechsli","https://eu-images.contentstack.com/v3/assets/bltabaa95ef14172c61/blt8b78fa4b3af4982f/6724b89b468f573d3d8d63fe/matt-oechsli-web.jpg","Columnist: The Inner Game","Coaching Decisions","/wealth-management-industry-trends/coaching-decisions",{},"To advisors who would ask, Do I need a personal coach? I respond, Michael Jordan had one, and Tiger Woods employs one. Even the best financial advisor can benefit from a coaching relationship, provided the relationship is approached with an open mind. Unfortunately, the process of choosing a coach can be confounding. All manner of people from within and without the brokerage industry pitch themselves",{"_763":32,"_764":1132},[],{"_183":184,"_163":1134,"_185":1135,"_169":1139,"_171":1139,"_174":1140,"_757":1141,"_176":177,"_178":1017,"_180":177,"_172":1142,"_1019":177,"_195":807,"_181":1035,"_182":133,"_193":194,"_761":1143,"_1023":1024},{"_165":177,"_167":177},[1136],{"_54":1137,"_189":1138,"_191":177,"_1012":177},"Bela Houston","/author/bela-houston","Confessions of a Fund Analyst","/wealth-management-industry-trends/confessions-of-a-fund-analyst",{},"Fund analysts are supposed to be objective: I know this because I can remember the president of our firm saying so, over and over to anyone who would listen. This firm is completely independent when it comes to the products we use, he would say. We have no ties to any one fund company. If the fund that we use doesn't meet expectations, then we fire them. We don't even take pens from the funds, that's",{"_763":32,"_764":1144},[],{"_183":184,"_163":1146,"_185":1147,"_169":1152,"_171":1152,"_174":1153,"_757":1154,"_176":177,"_178":1017,"_180":177,"_172":1155,"_1019":177,"_195":807,"_181":1035,"_182":133,"_193":1156,"_761":1157,"_1023":1024},{"_165":177,"_167":177},[1148],{"_54":1149,"_189":1150,"_191":1151,"_1012":177},"John Kador","/author/john-kador","https://eu-images.contentstack.com/v3/assets/bltabaa95ef14172c61/blt1e9f45d38f930385/6724b8a4f7c092d51fdbb442/john-kador-web.jpg","Cultures In Conflict","/wealth-management-industry-trends/cultures-in-conflict",{},"Imagine a business designed specifically to help increase the size of client accounts but one whose best success stories end in a customer outgrowing the firm and departing for a rival. This, more or less, was the conundrum facing Charles Schwab & Co. in the mid-1990s or so reckoned the firm's then CEO David Pottruck. The way he saw it, as some clients matured and amassed sizeable assets, so did their",11,{"_763":32,"_764":1158},[],{"_183":184,"_163":1160,"_185":1161,"_169":1167,"_171":1167,"_174":1168,"_757":1169,"_176":177,"_178":1017,"_180":177,"_172":1170,"_1019":177,"_195":807,"_181":1035,"_182":133,"_193":333,"_761":1171,"_1023":1024},{"_165":177,"_167":177},[1162],{"_54":1163,"_189":1164,"_191":1165,"_1012":1166},"Stan Luxenberg","/author/stan-luxenberg","https://eu-images.contentstack.com/v3/assets/bltabaa95ef14172c61/blt8395e4193df54a18/6724b96fdb7f32fd699256e6/stan-luxenberg-web.jpg","Special Contributor","Ticking Tax Bomb","/wealth-management-industry-trends/ticking-tax-bomb",{},"No one likes paying taxes, but clients get extra steamed when they are blindsided by a particularly hefty IRS bill. Unfortunately, such tax surprises could become increasingly common for shareholders of municipal bond funds. The source of the problem is a much-hated creature known as the Alternative Minimum Tax (AMT) a beast whose reach is growing. Concerned about the problem, a few companies are",{"_763":32,"_764":1172},[],{"_183":184,"_163":1174,"_185":1175,"_169":1181,"_171":1181,"_174":1182,"_757":1183,"_176":177,"_178":1017,"_180":177,"_172":1184,"_1019":177,"_195":807,"_181":1035,"_182":133,"_193":1020,"_761":1185,"_1023":1024},{"_165":177,"_167":177},[1176],{"_54":1177,"_189":1178,"_191":1179,"_1012":1180},"Kevin McKinley","/author/kevin-mckinley","https://eu-images.contentstack.com/v3/assets/bltabaa95ef14172c61/blt556f6fc684a5841a/6724b8a97c8e28f6d254cf99/kevin-mckinley2-web.jpg","Columnist: Generations","Web to the Wise","/wealth-management-industry-trends/web-to-the-wise",{},"This column lives up to its tag only insofar as it addresses a frequent shortcoming in advisors of my age group. I'm talking about putting the Web to good use in a financial advisory practice. For all the search engine technology out there, the Internet still is a bewilderingly huge and inscrutable resource to too many people, and, too often, its riches go untapped. What follows is a smattering of",{"_763":32,"_764":1186},[],{"_183":184,"_163":1188,"_185":1189,"_169":1195,"_171":1195,"_174":1196,"_757":1197,"_176":177,"_178":1017,"_180":177,"_172":1198,"_1019":177,"_195":807,"_181":1035,"_182":133,"_193":1199,"_761":1200,"_1023":1024},{"_165":177,"_167":177},[1190],{"_54":1191,"_189":1192,"_191":1193,"_1012":1194},"Anne Field","/author/anne-field","https://eu-images.contentstack.com/v3/assets/bltabaa95ef14172c61/blt6af29ea02d1c3780/6724b94b838a146a909cc49e/anne-field-web.jpg","Columnist: Fix My Business","Quirks Beget Perks","/wealth-management-industry-trends/quirks-beget-perks",{},"Creative thinking can mean the difference between average and superior performance in a number of industries, and the brokerage biz certainly is one of them. Powerhouse producers, of course, tend to be good salesmen and insightful financial analysts, but, for many, a smattering of idiosyncratic techniques also plays a large role in their success. What follows are brief profiles of six such reps. Each",8,{"_763":32,"_764":1201},[],{"_183":184,"_163":1203,"_185":1204,"_169":1208,"_171":1208,"_174":1209,"_757":1210,"_176":177,"_178":1017,"_180":177,"_172":1211,"_1019":177,"_195":807,"_181":1035,"_182":133,"_193":333,"_761":1212,"_1023":1024},{"_165":177,"_167":177},[1205],{"_54":1206,"_189":1207,"_191":177,"_1012":177},"Bill Singer","/author/bill-singer","To Quit or Not To Quit, That Is the Question on Item 14J","/wealth-management-industry-trends/to-quit-or-not-to-quit-that-is-the-question-on-item-14j",{},"Your branch manager is a jerk. The broker/dealer is run by idiots. Worse, those morons just reprimanded you for unsatisfactory production and warned you to shape up or ship out. Okay, so you've reached the point in your career when you face the dreaded choice: Should you quit, or should you let them fire you? There's a lot of quitting-related nonsense floating around out there. Old Murray, who's been",{"_763":32,"_764":1213},[],"content2",[1216,1230,1240,1249,1260,1271,1282,1293,1304,1315],{"_183":184,"_163":1217,"_185":1218,"_169":1224,"_171":1224,"_174":1225,"_757":1226,"_176":177,"_178":1017,"_180":177,"_172":1227,"_1019":177,"_195":807,"_181":1035,"_182":133,"_193":1036,"_761":1228,"_1023":1024},{"_165":177,"_167":177},[1219],{"_54":1220,"_189":1221,"_191":1222,"_1012":1223},"David A. Gaffen","/author/david-a-gaffen","https://eu-images.contentstack.com/v3/assets/bltabaa95ef14172c61/blt3614d36b67a1f213/6724b94e86da493412208020/david-gaffen.jpg","Editor in Charge","Sharp Words for the NASD From Raymond James' Averitt","/wealth-management-industry-trends/sharp-words-for-the-nasd-from-raymond-james-averitt",{},"SALT LAKE CITY Brokerage firm executives aren't generally known for their glowing adoration for regulators and their proposals, but Dick Averitt of Raymond James Financial Services had some particularly harsh words for the NASD. At the firm's semiannual financial conference, Averitt, RJFS' CEO, directed sharp criticism towards NASD regulators currently investigating fee-based advisory practices. Fee-based",{"_763":32,"_764":1229},[],{"_183":184,"_163":1231,"_185":1232,"_169":1234,"_171":1234,"_174":1235,"_757":1236,"_176":177,"_178":1017,"_180":177,"_172":1237,"_1019":177,"_195":807,"_181":1035,"_182":133,"_193":1036,"_761":1238,"_1023":1024},{"_165":177,"_167":177},[1233],{"_54":1220,"_189":1221,"_191":1222,"_1012":1223},"Are Forgivable Loans Next?","/wealth-management-industry-trends/are-forgivable-loans-next-",{},"Regulators have been all over brokerages, investigating mutual fund breakpoints and, more recently, the probity of fee-based accounts. Now, add forgivable loans to the list. Although NASD officials say this is something they've been looking at for years, some recruiters say that regulators say scrutiny of forgivable loans, the large, upfront bonuses used to entice successful reps to leave one brokerage",{"_763":32,"_764":1239},[],{"_183":184,"_163":1241,"_185":1242,"_169":1243,"_171":1243,"_174":1244,"_757":1245,"_176":177,"_178":1017,"_180":177,"_172":1246,"_1019":177,"_195":807,"_181":279,"_182":280,"_193":333,"_761":1247,"_1023":1024},{"_165":177,"_167":177},[],"When the Loan Comes Due","/retirement/when-the-loan-comes-due",{},"Q: Like many brokers, I switched firms three years ago, joining a wirehouse offering a seven-year forgivable loan as upfront payment. Since hiring on at the new firm, my production has nosedived. I may be fired or, because I'm so frustrated, leave the business altogether. If I am fired, can my firm legally ask for the balance of the forgivable loan back? Technically if they do, they're not giving",{"_763":32,"_764":1248},[],{"_183":184,"_163":1250,"_185":1251,"_169":1253,"_171":1253,"_174":1254,"_757":1255,"_176":177,"_178":1017,"_180":177,"_172":1256,"_1019":177,"_195":807,"_181":1035,"_182":133,"_193":1257,"_761":1258,"_1023":1024},{"_165":177,"_167":177},[1252],{"_54":1220,"_189":1221,"_191":1222,"_1012":1223},"From Top Dog to Compliance Monkey","/wealth-management-industry-trends/from-top-dog-to-compliance-monkey",{},"My, how times have changed. What Peckham used to do as a manager all by himself takes six people now. While he still has a prominent role in helping advisors build their practices, compliance issues have encroached on many parts of Peckham's job. He's not disputing the need for further oversight he's just frustrated that it takes so much time and keeps him from more productive work with his reps.",10,{"_763":32,"_764":1259},[],{"_183":184,"_163":1261,"_185":1262,"_169":1264,"_171":1264,"_174":1265,"_757":1266,"_176":177,"_178":1267,"_180":177,"_172":1268,"_1019":177,"_195":807,"_181":335,"_182":336,"_193":1020,"_761":1269,"_1023":1024},{"_165":177,"_167":177},[1263],{"_54":1220,"_189":1221,"_191":1222,"_1012":1223},"Wachovia Securities in Technological Purgatory","/financial-technology/wachovia-securities-in-technological-purgatory",{},"Sep 27, 2004","Glitches aside, former Prudential Securities advisors are concerned that the new technology doesn’t measure up to Pru’s old system.",{"_763":32,"_764":1270},[],{"_183":184,"_163":1272,"_185":1273,"_169":1275,"_171":1275,"_174":1276,"_757":1277,"_176":177,"_178":1278,"_180":177,"_172":1279,"_1019":177,"_195":807,"_181":1035,"_182":133,"_193":1036,"_761":1280,"_1023":1024},{"_165":177,"_167":177},[1274],{"_54":1077,"_189":1078,"_191":177,"_1012":177},"SIA Reports Big Drop in Second-Quarter Profits","/wealth-management-industry-trends/sia-reports-big-drop-in-second-quarter-profits",{},"Sep 16, 2004","Is a 61 percent decrease in profits from one year to the next a “reversion to the mean” or an ominous sign of cloudy skies ahead? It depends on whom you’re talking to.",{"_763":32,"_764":1281},[],{"_183":184,"_163":1283,"_185":1284,"_169":1286,"_171":1286,"_174":1287,"_757":1288,"_176":177,"_178":1289,"_180":177,"_172":1290,"_1019":177,"_195":807,"_181":1035,"_182":133,"_193":194,"_761":1291,"_1023":1024},{"_165":177,"_167":177},[1285],{"_54":1043,"_189":1044,"_191":177,"_1012":177},"A Broker or An Advisor?","/wealth-management-industry-trends/a-broker-or-an-advisor-",{},"Sep 13, 2004","If you are like most registered reps, your card probably says you are a financial advisor—and not a stockbroker. Indeed, whether you work at a large Wall Street brokerage or a small broker/dealer, the odds are you are holding yourself out as a well-rounded financial advisor and not just, say, a stock jockey.",{"_763":32,"_764":1292},[],{"_183":184,"_163":1294,"_185":1295,"_169":1297,"_171":1297,"_174":1298,"_757":1299,"_176":177,"_178":1300,"_180":177,"_172":1301,"_1019":177,"_195":807,"_181":1035,"_182":133,"_193":194,"_761":1302,"_1023":1024},{"_165":177,"_167":177},[1296],{"_54":1191,"_189":1192,"_191":1193,"_1012":1194},"College Savings Boot Camp in New York","/wealth-management-industry-trends/college-savings-boot-camp-in-new-york",{},"Sep 10, 2004","New York for the first day of a one-and-a-half-day workshop, called 529 Boot Camp, held by 529 guru Joe Hurley, in New York.",{"_763":32,"_764":1303},[],{"_183":184,"_163":1305,"_185":1306,"_169":1307,"_171":1308,"_174":1309,"_757":1310,"_176":177,"_178":1311,"_180":177,"_172":1312,"_1019":177,"_195":807,"_181":1035,"_182":133,"_193":333,"_761":1313,"_1023":1024},{"_165":177,"_167":177},[],"The Blame Game 2004","The Blame Game","/wealth-management-industry-trends/the-blame-game-2004",{},"Sep 1, 2004","Q: In a grueling arbitration hearing this year, the complainant's attorney alleged I'd acted in a fiduciary capacity by purchasing and allocating a variable annuity for my clients. I claimed I had no fiduciary responsibility, but had merely recommended and sold an appropriate product for this client's needs. When is a broker or a financial planner a fiduciary? A: The answer to this question depends",{"_763":32,"_764":1314},[],{"_183":184,"_163":1316,"_185":1317,"_169":1318,"_171":1319,"_174":1320,"_757":1321,"_176":177,"_178":1311,"_180":177,"_172":1322,"_1019":177,"_195":807,"_181":1035,"_182":133,"_193":1095,"_761":1323,"_1023":1024},{"_165":177,"_167":177},[],"Funny Fact 2004-09-01","Funny Fact","/wealth-management-industry-trends/funny-fact-2004-09-01",{},"AmeriFirst Financial Services announced last month that it is launching a fund that invests in the death benefits due from life insurance policies. Fund investors will make money the earlier people die, and lose if they live longer.",{"_763":32,"_764":1324},[],"content3",[1327,1337,1347,1357,1367,1377,1391,1403,1416,1433],{"_183":184,"_163":1328,"_185":1329,"_169":1330,"_171":1331,"_174":1332,"_757":1333,"_176":177,"_178":1311,"_180":177,"_172":1334,"_1019":177,"_195":807,"_181":1035,"_182":133,"_193":1095,"_761":1335,"_1023":1024},{"_165":177,"_167":177},[],"COMINGS & GOINGS 2004-09-01","COMINGS & GOINGS","/wealth-management-industry-trends/comings-goings-2004-09-01",{},"In a new position, Smith Barney has promoted Bob Matthews to director of wealth management for the firm. He will be responsible for major financial planning initiatives, particularly in the fee-based and wealth management sectors. Matthews has been the branch manager at Smith Barney's massive Fifth Avenue branch in Manhattan for the last eight years. He will report directly to Tom Matthews (no relation),",{"_763":32,"_764":1336},[],{"_183":184,"_163":1338,"_185":1339,"_169":1341,"_171":1341,"_174":1342,"_757":1343,"_176":177,"_178":1311,"_180":177,"_172":1344,"_1019":177,"_195":807,"_181":1035,"_182":133,"_193":1020,"_761":1345,"_1023":1024},{"_165":177,"_167":177},[1340],{"_54":1123,"_189":1124,"_191":1125,"_1012":1126},"The Myth of Reluctance","/wealth-management-industry-trends/the-myth-of-reluctance",{},"Wealthy people and good poker players have at least one thing in common: The habit of holding cards close to their vests. At least that's what a wirehouse veteran named Jack told me while explaining his difficulty getting referrals from wealthy clients. My clients don't give referrals, he says. The wealthy people I deal with do not want people knowing their financial affairs.",{"_763":32,"_764":1346},[],{"_183":184,"_163":1348,"_185":1349,"_169":1351,"_171":1351,"_174":1352,"_757":1353,"_176":177,"_178":1311,"_180":177,"_172":1354,"_1019":177,"_195":807,"_181":1035,"_182":133,"_193":1036,"_761":1355,"_1023":1024},{"_165":177,"_167":177},[1350],{"_54":1077,"_189":1078,"_191":177,"_1012":177},"For Advisors, 2003 Was a Better Year","/wealth-management-industry-trends/for-advisors-2003-was-a-better-year",{},"The fortunes of advisors took a turn for the better in 2003, according to the annual report from the Securities Industry Association. For starters, average gross commissions and fees were up to $372,963, a 4.2 percent rise from 2002, though still lower than the $485,478 of 2000. Average earnings logged in at $153,182, up 1.6 percent from last year, and the average payout rate was 36.5 percent. We",{"_763":32,"_764":1356},[],{"_183":184,"_163":1358,"_185":1359,"_169":1361,"_171":1361,"_174":1362,"_757":1363,"_176":177,"_178":1311,"_180":177,"_172":1364,"_1019":177,"_195":807,"_181":1035,"_182":133,"_193":1036,"_761":1365,"_1023":1024},{"_165":177,"_167":177},[1360],{"_54":1077,"_189":1078,"_191":177,"_1012":177},"Institutional Unit Is Schwab's Bright Spot","/wealth-management-industry-trends/institutional-unit-is-schwab-s-bright-spot",{},"With the job cuts, branch closings and refocusing currently under way at Charles Schwab & Co., there's one area that seems to be safe. Despite the firm's move to replace former CEO David Pottruck with founder Charles Schwab in July in an effort to get back to the firm's discount roots, Schwab's Institutional unit isn't going anywhere. Schwab announced in August that it is closing 53 of its branches,",{"_763":32,"_764":1366},[],{"_183":184,"_163":1368,"_185":1369,"_169":1371,"_171":1371,"_174":1372,"_757":1373,"_176":177,"_178":1311,"_180":177,"_172":1374,"_1019":177,"_195":807,"_181":1035,"_182":133,"_193":1095,"_761":1375,"_1023":1024},{"_165":177,"_167":177},[1370],{"_54":1077,"_189":1078,"_191":177,"_1012":177},"A Change of Course for Wholesalers","/wealth-management-industry-trends/a-change-of-course-for-wholesalers",{},"Change is in the air for wholesalers, thanks to the mutual fund scandals and recent banning of directed-brokerage practices by the SEC. Boston-based Financial Research Corp. recently said in a study that the changes will go beyond increased disclosure which it too expects and advance into the realm of a more efficient, cost-managed business. Specifically, the study shows that as companies develop",{"_763":32,"_764":1376},[],{"_183":184,"_163":1378,"_185":1379,"_169":1385,"_171":1385,"_174":1386,"_757":1387,"_176":177,"_178":1311,"_180":177,"_172":1388,"_1019":177,"_195":807,"_181":1035,"_182":133,"_193":1020,"_761":1389,"_1023":1024},{"_165":177,"_167":177},[1380],{"_54":1381,"_189":1382,"_191":1383,"_1012":1384},"Tracy Byrnes","/author/tracy-byrnes","https://eu-images.contentstack.com/v3/assets/bltabaa95ef14172c61/blt9038f54ec90ff94e/6724b751c03c7df87d7ec144/tracy-byrnes.jpg","Anchor","Flying Solo","/wealth-management-industry-trends/flying-solo",{},"Defined-benefit plans are making a comeback but with a twist. The employer-managed retirement vehicles were a staple benefit at large companies until the mid-1990s, when many fell victim to aggressive cost-cutting. Now, capitalizing on rules set forth in 2001's tax cuts, a scaled-down version of the product, known as a solo defined-benefit plan, has emerged as a popular product for clients associated",{"_763":32,"_764":1390},[],{"_183":184,"_163":1392,"_185":1393,"_169":1397,"_171":1397,"_174":1398,"_757":1399,"_176":177,"_178":1311,"_180":177,"_172":1400,"_1019":177,"_195":807,"_181":1035,"_182":133,"_193":194,"_761":1401,"_1023":1024},{"_165":177,"_167":177},[1394],{"_54":1395,"_189":1396,"_191":177,"_1012":177},"Christie Matheson","/author/christie-matheson","Diary of a Downgrade Morning","/wealth-management-industry-trends/diary-of-a-downgrade-morning",{},"I am a sell-side analyst. Raise your hand if you're jealous. We used to be rock stars, paraded on TV. Not anymore. These days, my job kind of sucks. Can barely talk to anyone, can barely get information from anyone and I'm certainly not getting paid like I used to. But I actually like this business, and because I keep my head down, do what I need to do and generally do a pretty great job rating stocks",{"_763":32,"_764":1402},[],{"_183":184,"_163":1404,"_185":1405,"_169":1409,"_171":1409,"_174":1410,"_757":1411,"_176":177,"_178":1311,"_180":177,"_172":1412,"_1019":177,"_195":807,"_181":1035,"_182":133,"_193":1413,"_761":1414,"_1023":1024},{"_165":177,"_167":177},[1406],{"_54":1407,"_189":1408,"_191":177,"_1012":177},"Bob Hirschfeld","/author/bob-hirschfeld","Trailer Cash","/wealth-management-industry-trends/trailer-cash",{},"Heard the one about what a redneck divorce and a tornado hold in common? (One way or another, someone's losing a trailer.) Or maybe you've run across one of those humorous trailer trash tests featuring questions like, If your front porch were to collapse, would more than five dogs be injured? and Do you have to go outside to get something from the fridge? There's no getting around it: Mobile homes",7,{"_763":32,"_764":1415},[],{"_183":184,"_163":1417,"_185":1418,"_169":1427,"_171":1427,"_174":1428,"_757":1429,"_176":177,"_178":1311,"_180":177,"_172":1430,"_1019":177,"_195":807,"_181":1035,"_182":133,"_193":333,"_761":1431,"_1023":1024},{"_165":177,"_167":177},[1419,1423],{"_54":1420,"_189":1421,"_191":177,"_1012":1422},"Hannah Shaw Grove","/author/hannah-shaw-grove","Senior Executive",{"_54":1424,"_189":1425,"_191":177,"_1012":1426},"Russ Alan Prince","/author/russ-alan-prince","President","Onward, Downward","/wealth-management-industry-trends/onward-downward",{},"The family office is in a state of flux. Long the exclusive enclave of the ultrawealthy (those families with $100 million or more), the family office has become more democratic as competition among financial services firms and top advisors for the high-end clients has heated up. The new family-office model has a very different motive: profit, as opposed to privilege. To learn more about the family-office",{"_763":32,"_764":1432},[],{"_183":184,"_163":1434,"_185":1435,"_169":1439,"_171":1439,"_174":1440,"_757":1441,"_176":177,"_178":1311,"_180":177,"_172":1442,"_1019":177,"_195":807,"_181":1035,"_182":133,"_193":1443,"_761":1444,"_1023":1024},{"_165":177,"_167":177},[1436],{"_54":1437,"_189":1438,"_191":177,"_1012":177},"Namita Devidayal","/author/namita-devidayal","A Fitting Problem","/wealth-management-industry-trends/a-fitting-problem",{},"THE QUESTION WHAT NEXT? is an expression of exasperation but also one of hope as if so much has already happened that it can't possibly get worse. With all the scandal that's buffeted the securities industry, it's understandable if reps are muttering these words to themselves, but unfortunately the regulators have a very specific response to their question: insurance products. Having found the securities",9,{"_763":32,"_764":1445},[],"socialShare",[1448,1450,1452,1454,1457],{"_88":98,"_56":1449},"https://www.linkedin.com/sharing/share-offsite/?url=https://www.wealthmanagement.com/program/wealth-management-magazine",{"_88":89,"_56":1451},"http://www.twitter.com/intent/tweet?url=https://www.wealthmanagement.com/program/wealth-management-magazine",{"_88":92,"_56":1453},"http://www.facebook.com/sharer/sharer.php?u=https://www.wealthmanagement.com/program/wealth-management-magazine",{"_88":1455,"_56":1456},"Email","mailto:?subject=Wealth Management Magazine&body=I%20thought%20the%20following%20from%20Wealth%20Management%20might%20interest%20you.%0D%0A%0D%0A%20Wealth%20Management%20Magazine%0D%0Ahttps%3A%2F%2Fwww.wealthmanagement.com%2Fprogram%2Fwealth-management-magazine",{"_88":1458,"_56":731},"Print","newsletterSignUpPromo","pagination",{"_1462":1463,"_1464":1465},"totalCount",153,"currentPage",104,"schema",[1468],{"_1469":1470,"_1471":1472,"_1473":1474},"@context","https://schema.org","@type","BreadcrumbList","itemListElement",[1475,1479],{"_1471":1476,"_1477":1095,"_54":732,"_1478":10},"ListItem","position","item",{"_1471":1476,"_1477":1036,"_54":727,"_1478":1480},"https://www.wealthmanagement.com/program/wealth-management-magazine","seo",{"_1483":727,"_1484":1001,"_1485":32,"_1486":6,"_1487":1488,"_13":14},"metaTitle","metaDescription","noIndex","canonicalUrl","imageUrl","https://www.wealthmanagement.com/assets/wealthmanagement-DDNDrftq.ico","entryTitle","weatherWidgetConfig","iirisRecommendationConfig","actionData","errors"]

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