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Ncoke View Drop Down
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Joined: Aug/12/2020
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    Posted: Sep/01/2020 at 11:10am
Hello everyone. I recently started a new career at a boutique firm offering holistic financial planning and investment management. The firm is an agency of Guardian but is not an affiliate or subsidiary. I have recently obtained my Insurance license and am in the process of obtaining my securities licenses. Im looking forward to this new career.
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memphis View Drop Down
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Points: 816 		Post Options Post Options   Thanks (0) Thanks(0)   Quote memphis Quote  Post ReplyReply Direct Link To This Post Posted: Sep/01/2020 at 11:19am
Originally posted by Ncoke Ncoke wrote:

Hello everyone. I recently started a new career at a boutique firm offering holistic financial planning and investment management. The firm is an agency of Guardian but is not an affiliate or subsidiary. I have recently obtained my Insurance license and am in the process of obtaining my securities licenses. Im looking forward to this new career.

What is the only investment product anyone will ever need, and why is it whole life insurance?
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missionshooter View Drop Down
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Points: 6334 		Post Options Post Options   Thanks (1) Thanks(1)   Quote missionshooter Quote  Post ReplyReply Direct Link To This Post Posted: Sep/01/2020 at 11:44am
Wow, you really drank the fucking Koolaid.

The last asshole Guardian FA I ran across had his clients hellbent on using Whole Life for their kids college funding and also their retirement savings.

They thought I was a real asshole when I told they were given bad advice and pointed to the surrender charges. 80k in Cash value too.    
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Guests View Drop Down
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Post Options Post Options   Thanks (0) Thanks(0)   Quote Guests Quote  Post ReplyReply Direct Link To This Post Posted: Sep/01/2020 at 1:12pm
Well this is going well for the new guy
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Wet_Blanket View Drop Down
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Joined: Mar/10/2010
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Points: 46822 		Post Options Post Options   Thanks (0) Thanks(0)   Quote Wet_Blanket Quote  Post ReplyReply Direct Link To This Post Posted: Sep/01/2020 at 1:46pm
Stay strong new guy.  Once you make it past the introductory posts you can read all the great content on here and ignore the haters.
The true 🤡 was the Biden voter all along.
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Guests View Drop Down
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Post Options Post Options   Thanks (0) Thanks(0)   Quote Guests Quote  Post ReplyReply Direct Link To This Post Posted: Sep/01/2020 at 2:17pm
You won't be able to ignore the haters if you're still at Guardian.

It's a shit business model.  You can get rich doing it their way, but you won't sleep well at night.  At least you shouldn't.
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memphis View Drop Down
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Points: 816 		Post Options Post Options   Thanks (0) Thanks(0)   Quote memphis Quote  Post ReplyReply Direct Link To This Post Posted: Sep/01/2020 at 3:35pm
Ncoke, let not your heart be troubled. Almost everyone here has tasted kool-aid of one flavor or another. Keep going and you'll find some really useful stuff here. And let me say, welcome to the business. 

That an agency fed you the "not an affiliate or subsidiary" line is worrisome. If you signed an FR contract as a career agent, you are an employee of Guardian - with all the good and bad that entails. If this is a Guardian agency, all securities business is going through Park Avenue Securities, of which you will be an employee once you pass your 6/7. PAS is owned by Guardian. You can offer your clients what they tell you to offer. You may have a non-compete. "Holistic" financial planning is done via their proprietary software system, Living Balance Sheet. It's based on LEAP / Circle of Wealth concepts and heavily pushes the sale of whole life products. 
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Guests View Drop Down
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Post Options Post Options   Thanks (0) Thanks(0)   Quote Guests Quote  Post ReplyReply Direct Link To This Post Posted: Sep/01/2020 at 3:39pm
I think it’s actually spelled wholistic
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memphis View Drop Down
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Points: 816 		Post Options Post Options   Thanks (0) Thanks(0)   Quote memphis Quote  Post ReplyReply Direct Link To This Post Posted: Sep/01/2020 at 3:41pm
Originally posted by bc2051 bc2051 wrote:

I think it’s actually spelled wholistic

LOL

Seriously, though, if you expect to sell a lot of whole life at least make sure your renewals are vested.
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Guests View Drop Down
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Post Options Post Options   Thanks (0) Thanks(0)   Quote Guests Quote  Post ReplyReply Direct Link To This Post Posted: Sep/01/2020 at 3:47pm
Originally posted by bc2051 bc2051 wrote:

I think it’s actually spelled wholistic


I thought it was 'whorelistic"
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advisorman View Drop Down
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Points: 4305 		Post Options Post Options   Thanks (0) Thanks(0)   Quote advisorman Quote  Post ReplyReply Direct Link To This Post Posted: Sep/01/2020 at 8:00pm
I thought the Guardian was a newspaper
King of sarcasm and speling
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Iamlegend View Drop Down
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Points: 23776 		Post Options Post Options   Thanks (0) Thanks(0)   Quote Iamlegend Quote  Post ReplyReply Direct Link To This Post Posted: Sep/01/2020 at 8:25pm
Originally posted by advisorman advisorman wrote:

I thought the Guardian was a newspaper

The Guardian
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Conrad Dobler View Drop Down
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Points: 42933 		Post Options Post Options   Thanks (0) Thanks(0)   Quote Conrad Dobler Quote  Post ReplyReply Direct Link To This Post Posted: Sep/01/2020 at 10:20pm
I think I used to use your home security service.
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mindtech View Drop Down
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Points: 439 		Post Options Post Options   Thanks (0) Thanks(0)   Quote mindtech Quote  Post ReplyReply Direct Link To This Post Posted: Sep/01/2020 at 10:38pm
$50 says the original poster ain't coming back. Kids are soft these days.
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mindtech View Drop Down
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Points: 439 		Post Options Post Options   Thanks (0) Thanks(0)   Quote mindtech Quote  Post ReplyReply Direct Link To This Post Posted: Sep/02/2020 at 1:16am
Originally posted by advisorman advisorman wrote:

I thought the Guardian was a newspaper


Are you really trying to give credibility to a left wing click bait rag website?
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Post Options Post Options   Thanks (0) Thanks(0)   Quote Guests Quote  Post ReplyReply Direct Link To This Post Posted: Sep/02/2020 at 6:38am
Originally posted by mindtech mindtech wrote:

Originally posted by advisorman advisorman wrote:

I thought the Guardian was a newspaper


Are you really trying to give credibility to a left wing click bait rag website?

He said the Guardian, not SkyNews.
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Hacksaw View Drop Down
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Points: 35113 		Post Options Post Options   Thanks (0) Thanks(0)   Quote Hacksaw Quote  Post ReplyReply Direct Link To This Post Posted: Sep/02/2020 at 8:08am
A “boutique firm”
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advisorman View Drop Down
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Points: 4305 		Post Options Post Options   Thanks (0) Thanks(0)   Quote advisorman Quote  Post ReplyReply Direct Link To This Post Posted: Sep/02/2020 at 4:50pm
i just like to keep it light around here
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luvindy View Drop Down
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Points: 28221 		Post Options Post Options   Thanks (0) Thanks(0)   Quote luvindy Quote  Post ReplyReply Direct Link To This Post Posted: Sep/02/2020 at 10:25pm
I was gone for a few days but this thread was a sweet taste of satisfaction to come back to.
8/31/12,Sportsfreak:
"If Barak wins this election, or appears to be clearly winning, we are all fucked. Market will tank big time."
Dow 13,090 S&P 1406
5/23/13 UC:Dow 20k before 20% crrectn Dow 15,
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Ncoke View Drop Down
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Points: 5 		Post Options Post Options   Thanks (0) Thanks(0)   Quote Ncoke Quote  Post ReplyReply Direct Link To This Post Posted: Sep/04/2020 at 10:36pm
Thank you, The Kool aid is getting me some training and my 7/66 paid for so I'm happy. It's my first job in the industry and I liked the people in the office more than other firms I talked to. I never signed a guardian FR contract and as far as I know I'm an independent agent and not captive to guardian products. What I was told is that when I'm securities liscenced I will be a 1099 for PAS. Is PAS a shitty BD? I made sure there was no non compete during my interviews. The panning is done with the living balance sheet. I'm not a big fan of the software, but it will make do for now.
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