Greetings
Printed From: Advisorheads
Category: Introductions
Forum Name: Greenhorn Introductions
Forum Description: MAKE YOUR FIRST POST HERE!
URL: http://www.advisorheads.com/forum_posts.asp?TID=15124
Printed Date: Mar/26/2026 at 9:24pm
Software Version: Web Wiz Forums 12.03 - http://www.webwizforums.com
Topic: Greetings
Posted By: SinisterSister
Subject: Greetings
Date Posted: Nov/25/2017 at 2:10am
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I trained as an intern and started with Goldman Sachs in NYC, and left in my fourth year to go out on my own. My parents are doctors, so I market myself to that client segment. My team consists of myself, an admin assistant, and two associates. I have 145 relationships with $318 million, but that includes a large endowment that skews the averages. I’ve hit a wall in growth and would like to see what others have done to expand. I’m not interested in buying a practice or a merger. I’d like to double my revenue to $4 million. |
Replies:
Posted By: Iamlegend
Date Posted: Nov/25/2017 at 9:01am
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Welcome! Stick around and post. You could add much value since you are in a different league than most of us. |
Posted By: PEACH_cm
Date Posted: Nov/25/2017 at 10:23am
| Welcome back Scooby. Is your focus on managing assets or planning? |
Posted By: Lefty_14
Date Posted: Nov/25/2017 at 11:19am
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What is your AUM without the endowment ?i am in a similar situation . Also, if you are in NYC I would set a net Worth account minimum soon because you are already at 150 relationships . ------------- If you can't explain something simply, you don't know it well enough. |
Posted By: missionshooter
Date Posted: Nov/25/2017 at 11:35am
| Have you considered doorknocking to increase assets? |
Posted By: Fitness1983
Date Posted: Nov/25/2017 at 12:35pm
This guy |
missionshooter wrote:Posted By: SinisterSister
Date Posted: Nov/25/2017 at 1:07pm
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I’ll clarify the situation. The metrics I provided are my own. The total team assets are $530 million. I took on the two associates ten and eight years ago as recruits from GS. On assets I gave them and send to them now as new business I don’t want, we split business 50/50. They keep 80/20 of their net new business, and I keep 80/20 of my own. The business brand is mine, but we overlap a little on service, which is why I structured the splits. I pay for my own assistant, as do they. Mark and Jessica are free to market to whatever clients they desire. Mark is a CFP. He’s ambitious. Jessica isn’t. In my business, the endowment is a charity from a well known family, with $73 million. The six family members are all within my top ten relationships for assets. Three are doctors, one is a politician, the last two are entertainment executives. I’ve been frustrated by two limitations, both have become increasingly more problematic. The first is my client segment. Every mature medical practice within 50 miles knows who I am. I sense I’ve reached a plateau or my potential with it. My largest client is $31 million, my smallest is $370,000. The second is more personal. I’m a member of a religious group that doesn’t appeal to most people. When I started I was public about it, now I’m private and don’t discuss it at all with clients. I did cold calling during my GS years, and took most of that with me when I left. My business proposition is direct. I state I compete well against whatever company they’re with. Most people are transparent with objections. I am open to suggestions for how to work myself out of this corner. |
Posted By: Guests
Date Posted: Nov/25/2017 at 1:43pm
Being private about this is more appropriate if you wish to grow. Why don't you add another segment? Say, oral surgeons (since that is medical)? Or if you already are working with oral surgeons, go to dentists who make good money - orthos and endos? Or move completely out of medical practices and do something different like attorneys, and maybe start by focusing on personal injury, since they will periodically have money to invest? |
Posted By: SinisterSister
Date Posted: Nov/25/2017 at 2:10pm
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I am thinking about three options, in increasing order of their challenges. The first is to widen my geographic circle. Physicians are creatures of convenience. The second is to expand my target client as you suggested. The third would be to pursue medical endowments. I like this option the best as it offers the most leverage. I have a few political relationships here that may help, but I do not feel I have the logistical structure to support that goal. The last option, which isn’t one, is to stagnate. If I’m not Becoming then I’m Dying. |
Posted By: Iamlegend
Date Posted: Nov/25/2017 at 2:52pm
| How about networking the current clients for referrals. Rich people know other rich people. |
Posted By: Guests
Date Posted: Nov/25/2017 at 3:03pm
How much would it cost to set up this infrastructure? It would seem to me that if you price this out, given your production level and current overhead, this would be a worthwhile investment. You worked at GS, I assume you can do an ROI on this. The problem of most advisory practices is that people have a hard time putting money back into the business. Here's what I would do: - Take your closest clients (or whoever you know who you think could help you set this up) and convene a "retreat" where you take them to a spa or something for a couple of days. - For half a day, you discuss with them how you might help manage these medical endowments. Take their feedback honestly, and then pay for their dinner at a really nice restaurant. - Take the information they provide and then put a plan into place where you set up your firm logistically to attract these medical endowments. |
Posted By: SinisterSister
Date Posted: Nov/25/2017 at 4:53pm
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Thank you for the suggestions. I have a meeting with my compliance consultant soon and will bring these up for her review. A reconstruction of my processes is curiously exciting. I’ve spent the afternoon reading on what seems to represent common experiences. For business of that kind I will need more personnel for servicing, but I can partition space in my current office. Fidelity appears to have all I’d require. I’ll call my RM next week. Again, thank you. I may read the threads a little longer if you don’t mind inactivity. |
Posted By: Guests
Date Posted: Nov/25/2017 at 5:07pm
| Get to 10 posts and you’ll have access to a lot more. Welcome |
Posted By: luvindy
Date Posted: Nov/25/2017 at 6:38pm
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You seem like you will have a new perspective to offer if you stick around. Be advised this is the ultimate combination of real discussion and bullshitting. We are curious about Jessica. Is she hot? ------------- 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, |
Posted By: missionshooter
Date Posted: Nov/25/2017 at 7:22pm
Yeah, good question. Why is she not a "Go-Getter"? Can you get rid of her? |
Posted By: SinisterSister
Date Posted: Nov/25/2017 at 7:41pm
| You don’t remove an organ or a limb unless it’s for absolute medical necessity. Sometimes, when you rip out a weed you take good plants with it. Some of my clients know her, and the GS alumni is a close social network. She’s not a bad advisor. Her numbers at almost any firm anywhere would be fine. But her model and approach are much different. Jess will take small accounts all day with the hope of growing the assets or relationship. She has double the accounts of Mark and I combined. It’s not the vision I had, but I gave them that license. |
Posted By: SinisterSister
Date Posted: Nov/26/2017 at 12:23pm
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I tend to come and go on most boards when joining only to read or discuss a topic of passing interest. I’ve been a moderator on a special interest forum for about twenty years. I’m sensitive to the protocols and social structure of any new forum I join. Generally, a handful of members produce the bulk of the threads and discussion replies. The quality is questionable depending on the participant. This forum is a little different. It goes without saying that experienced advisors usually make up the top strata of their communities. There aren’t many professions where you can be frustrated at only earning an amount that places you in the top percentile of households. I’m speaking to myself as much as I am to all of you. Between real estate holdings and my business, I paid taxes on $1.7 million in income last year, and I came here with the intent of gleaning ideas on how to go about doubling it. I believe some of you may be able to help, and I pledge to help others where I can. I’ll offer to examine your situations from a premise of what constitutes a best possible scenario, but just as often, you’ll find the problems you face exist within yourself, and not from without. Answering on that level is extremely painful for most people, few will be receptive to the counsel, and still fewer will apply what we discuss. There is much idle and wasteful talk. Slander and insults. That doesn’t interest me. I will never acknowledge those replies, and after awhile, those individuals will become invisible. This is my personal and professional summary. I’m a graduate of Columbia University with a major in political science, and a minor in philosophy. I’ve been published on political science topics, and co-authored a number of books on Western esotericism and the metaphysics of religion. I have a research interest in mentalism and the psychology of social capital influence, both of which are of use in business. I served an intern and was hired into Goldman Sachs in their Private Wealth Managemen group in Manhattan. The misogynistic culture led me to form my own RIA, the details of which are included in my introductory post. I’ve been in business since 1998. I ask your communications with me be direct, professional, and courteous. |
Posted By: Iamlegend
Date Posted: Nov/26/2017 at 1:03pm
I hope you can overlook the inevitable sexism enough in order to hang around. |
Posted By: Guests
Date Posted: Nov/26/2017 at 1:49pm
| Lighten up Sinister and have some fun. You’re clearly successful, but this reads a bit like an ultimatum. Gotta remember it’s still a bunch of guys blowing off steam anonymously on top of the helpful stuff |
Posted By: Macduff
Date Posted: Nov/26/2017 at 4:08pm
You sound both intelligent and weird. I like you. Welcome. ------------- “I was born for the storm, and a calm does not suit me.” ― Andrew Jackson |
Posted By: Fitness1983
Date Posted: Nov/26/2017 at 4:33pm
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Sounds like you need to get laid more. Just kidding. Welcome |
Posted By: Iamlegend
Date Posted: Nov/26/2017 at 7:22pm
| I guess a question could be why double your production? Why not enjoy life more rather than work harder? (Considering the level that you are already at.) |
Posted By: SinisterSister
Date Posted: Nov/26/2017 at 8:00pm
| This is a good question and deserves an answer. It’s not about money. I’m always amazed humans sell their souls cheap for slips of green paper. It’s about psychecentric evolution in my entire life. The current state would permit me to scale my work week down and spend more hours on civic and personal projects. A friend suggested this summer that I sell. It’s an intriguing idea. But your question, to be fair, assumes things that are not true. The work wouldn’t be harder, just refocused away from my previous business model. Building the book is not challenging. It’s a psychic act of Will, the result is a consequence of that decision. But after consideration I want to stay, for several reasons. The business keeps me in touch with several powerful centers of influence I leverage for my own interests. A secular profession balances my metaphysical and religious studies. And it keeps me in touch with colleagues from GS - one of my best friends from my time there now works in portfolio management on a fund many of you might use. Rewriting my plan will keep me fresh and sharp. Business is Darwinian, and as a professional I must be an ever evolving creature in a environment that exists on a razor’s edge. The revenue goal is merely an arbitrarily assigned number. I had to pick a figure, and it seemed achievable. Many of my peers here produce at levels far higher. I don’t feel a failure, but like anyone else, I experience a competitive compulsion from time to time. |
Posted By: luvindy
Date Posted: Nov/26/2017 at 8:04pm
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How old are you? ------------- 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, |
Posted By: SinisterSister
Date Posted: Nov/26/2017 at 8:09pm
| 46. |
Posted By: Guests
Date Posted: Nov/26/2017 at 8:18pm
| Man or woman? Maybe an odd question given the name |
Posted By: Fitness1983
Date Posted: Nov/26/2017 at 9:40pm
| Obviously female |
Posted By: Fitness1983
Date Posted: Nov/26/2017 at 9:41pm
Are you for real? |
Posted By: Guests
Date Posted: Nov/26/2017 at 9:54pm
We’ve been fooled before Edit: but I don’t think my question is on the approved list |
Posted By: advisorman
Date Posted: Nov/27/2017 at 12:36am
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Scientologist? ------------- King of sarcasm and speling |
Posted By: SinisterSister
Date Posted: Nov/27/2017 at 7:22am
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You got me to laugh. No, I am not a Scientologist. The metaphysics I study falls under Thelema, though I do not practice its religious elements. My “religious” society and order is sufficiently small that its name is unknown outsise esoteric circles. Public speculation provides a high estimate of 500 actice practitioners.
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Posted By: Darngoner
Date Posted: Nov/27/2017 at 8:58am
| I think you're very interesting and could probably teach us all a ton. I don't think you'll like the locker room talk that goes on about 95% of the time. |
Posted By: brome90
Date Posted: Nov/27/2017 at 9:09am
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You seem too good to not be Scooby. Please I hope I'm wrong. Welcome - Interested in learning more about you and your business.
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Posted By: SinisterSister
Date Posted: Nov/27/2017 at 9:12am
I appreciate your acknowledgements and will offer what I can for insights. The human profane world is invisible to me. I’ve tuned it out as background noise generated from a society unhappy with itself. There is no greater power than the mind focused and trained exclusively on that which enhances Existence.
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Posted By: PEACH_cm
Date Posted: Nov/27/2017 at 10:42am
Find out what truly makes you happy. For me life is not about making more money it is about having the ability to do whatever I want whenever I want. However this is rarely possible without money. I am at the point where the money I can make on my own assets outweighs the time/energy needed to grow my client base. You should be in a similar position based on your comments.
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Posted By: SinisterSister
Date Posted: Nov/27/2017 at 11:10am
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All relationships, our professions, financial resources, educational and personal studies are a means to some end. The stated goal is incidental. Wealth, income, sex, pleasure, political power are all transient. They can be here today and gone tomorrow. Most people equate temporal happiness with these achievements. You desire absolute control in a way possible only with money. What would happen if your wealth evaporated and your career ended? What I want is to Become. |
Posted By: anonymous
Date Posted: Nov/27/2017 at 11:57am
Definitely Scooby 2.0. I'm not complaining. Crimson is a good writer. ------------- "Just do shit. It doesnt matter what as long as it gets you and your name in front of people" - Sportsfreak |
Posted By: SinisterSister
Date Posted: Nov/27/2017 at 12:00pm
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Maybe this explanation will help. Sit alone in an absolutely dark and silent room. The more austere for the senses the better. Close your eyes. What is the first thought that invades your mind? For most people I mentor, it’s an anxiety about relationships, money, work. Just as often it’s about some physical discomfort: a sore back or ankle or headache. These are all carnal, profane problems. There is much more to the universe than your emotional whims, the four dimensions and five senses. The world cares not for how you feel, or your pains, or your personal challenges because they are all temporal. There is nothing sacred or eternal about trivialities. You will forget many of them by the next season anyway. To Become and to exercise Will is different for each individual who seeks. For me, when I partake of this exercise, I know I’ve taken the first step into an entire dimension of Existence when human desires do not surface. A profane example would be a small child who suddenly comprehends the vastness of the global financial markets. This awareness of Self is only the Beginning of what it means to Become. So do you think it makes sense for me to “care” about money? |
Posted By: Fitness1983
Date Posted: Nov/27/2017 at 12:04pm
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Legit question: as former philosophy major...what specific satisfaction are you deriving from posting on these topics right here, right now. In as concise a manner as possible |
Posted By: SinisterSister
Date Posted: Nov/27/2017 at 12:07pm
The world is improved by each individual who Becomes in his or her own way. My reasons are selfish. I want a better world.
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Posted By: Fitness1983
Date Posted: Nov/27/2017 at 12:14pm
| You want a better world? How will you evaluate the progress? |
Posted By: MrGreen
Date Posted: Nov/27/2017 at 12:21pm
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I think it's safe to say you've have peaked my interest. We have been burned before by fake accounts that get us riled up so while I'm a bit weary about getting my hopes up, the story you tell is an interesting one, so I hope you stick around. I like those numbers you posted above because that means you'll probably provide some goo insights for smaller guys like me (usually the newer guys post more often). I wish the bigger AUM guys on the board posted more often. I tend to learn a lot when they do, but since most have it pretty figured out they tend to just comment. Basically what I'm saying is....I hope this is legit.
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Posted By: SinisterSister
Date Posted: Nov/27/2017 at 12:21pm
| One soul at a time. Including my own. |
Posted By: Fitness1983
Date Posted: Nov/27/2017 at 12:48pm
Gotcha. Thanks 
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Posted By: Chief
Date Posted: Nov/27/2017 at 1:06pm
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Someone has a screw loose ------------- "You like winning don't you?" "Saves you from having to say the word please." Good point Chief. Iceco1d 10/30/12 |
Posted By: Guests
Date Posted: Nov/27/2017 at 2:14pm
You have a very good grasp of what this board is like already. Impressive. Can you elaborate on the bold part? What were you reading? Threads on this board or outside of AH? |
Posted By: SinisterSister
Date Posted: Nov/27/2017 at 4:11pm
| David Mullen’s book “The Million Dollar Financial Advisor” has a chapter dedicated to an advisor who rewrote his entire business plan after he stalled. A friend at another firm gave it to me last week, and it was she who suggested I see what may be found on this forum. |
Posted By: luvindy
Date Posted: Nov/27/2017 at 5:19pm
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How often did your friend post here? There have been a couple of women that were good posters here and I was wondering which of them it might have been. Glad to have you on board here at the forum!! ------------- 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, |
Posted By: PEACH_cm
Date Posted: Nov/27/2017 at 5:23pm
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Posted By: SinisterSister
Date Posted: Nov/27/2017 at 6:32pm
I have no idea whether or not she is active here, only that I was referred. She mentioned this page by name and that other advisors here may be willing to offer feedback.
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Posted By: Guests
Date Posted: Nov/27/2017 at 11:28pm
| What. The. Hell. |
Posted By: Spaceman Spiff
Date Posted: Nov/28/2017 at 10:03am
It makes it more fun when you read his posts using a voice like Boris Karloff's. It was either Karloff or Lucius Malfoy from the Harry Potter movies. It was a bit of a dilemma, but I settled for that classic voice that always creeped me out when I was a kid. |
Posted By: luvindy
Date Posted: Nov/28/2017 at 10:09am
I miss Scooby. ------------- 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, |
Posted By: SinisterSister
Date Posted: Nov/28/2017 at 10:12am
| What are you talking about? |
Posted By: Fitness1983
Date Posted: Nov/28/2017 at 10:41am
| What's the meaning of the username, sis? |
Posted By: anonymous
Date Posted: Nov/28/2017 at 10:51am
------------- "Just do shit. It doesnt matter what as long as it gets you and your name in front of people" - Sportsfreak |
Posted By: SinisterSister
Date Posted: Nov/28/2017 at 10:59am
| My usual handle has my name. Sinister Sister was the name friends and I in prep school gave to our band at the time. We lasted a summer. |
Posted By: Fitness1983
Date Posted: Nov/28/2017 at 11:01am
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You are definitely very engaged since joining--usually answering direct questions in minutes. So you delegate most of the work in your practice? |
Posted By: Spaceman Spiff
Date Posted: Nov/28/2017 at 11:04am
The common retort around here when something written appears to be complete nonsense is to recall those now possibly departed former member's screen names with fondness. Thus the "I miss Scooby." Other times it's "I miss Ilya." It is never, under any circumstances to be "I miss Icecold."
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Posted By: SinisterSister
Date Posted: Nov/28/2017 at 11:18am
| I feel like I walked into a room with new people, and every eye is suspicious, like I’m being accused of something after waving hello. |
Posted By: SinisterSister
Date Posted: Nov/28/2017 at 11:38am
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Now that I’ve seen responses elsewhere to my posts, I sense I’m not welcome. The good news is that my friend was correct, and I did receive good advice here for my original questions. Thank you to those that took the time to speak with me. I do not take your time for granted. But I will take my leave. If any of you live nearby, I am open to coffee or lunch. My email is Yahoo with this name as my handle. I enjoy fellowship and friendship. |
Posted By: luvindy
Date Posted: Nov/28/2017 at 11:43am
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------------- 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, |
Posted By: Macduff
Date Posted: Nov/28/2017 at 11:43am
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I'm sorry to see you go. The downside to this place is that some guys have a tendency towards running off people who would be helpful. Instead, we end up rehashing the same old discussions over and over. I like this place and I'm sticking around but I do wish that we would take it a bit easier on new members. When was the last time we had a new member that actually stuck around, particularly one that actually contributes? ------------- “I was born for the storm, and a calm does not suit me.” ― Andrew Jackson |
Posted By: anonymous
Date Posted: Nov/28/2017 at 11:44am
He'll be back ------------- "Just do shit. It doesnt matter what as long as it gets you and your name in front of people" - Sportsfreak |
Posted By: Guests
Date Posted: Nov/28/2017 at 11:56am
Most haven’t shared this much info and they’ve been here for years. You’ve been on a few days and you have shared the following - you have a massive practice, your income, a coulple philosophical rants, “alternative” religious beliefs, and my fav is people who talk negative here become invisible to you or something like that. All this while using words that are clearly above my EJ pay grade We are suspicious you’re bullshitting us if that’s not obvious. A few of us want you to be real. I can’t wait for the juicy stuff if this is just “waiving hello.” Stick around. You definitely offer a unique perspective |
Posted By: Fitness1983
Date Posted: Nov/28/2017 at 12:20pm
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I agree on all counts, bc. If this is bothering our new sister, she's simply too soft and far from sinister. |
Posted By: Spaceman Spiff
Date Posted: Nov/28/2017 at 12:27pm
When you shared your alternative...beliefs, can't really call them religious, it was easily the most interesting intro we've ever had here. Couple that with the screen name and our quick Google search for Left Hand Path and we're here thinking you're some kind of nut job. Did you say yourself that you have learned that it turns a lot of people off when you share your beliefs with them? Did you expect it to be any different here? FWIW, we'd all love to discuss your business. If you are in fact who you say you are, you're probably the top producing member of the forum. You'd obviously have many things to share. We could use some fresh ideas and insights from someone who isn't a rookie. |
Posted By: SinisterSister
Date Posted: Nov/28/2017 at 1:21pm
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I don’t know who Illa or Scooby are, but it seemed I was presumed guilty of some scam they committed here. That began before any personal topics came up. I will be more than willing to share best practices. There is no secret to how I built the business to this level. It comes down to doing the right type of work with consistency and Will. If that makes sense, I can help refine what you need to do. If it doesn’t, then not only can I not help, but you will likely stagnate and whither. These books by David Mullen outline all the fundamentals. If after working through them you want to discuss it with me, please reach out and I will help. |
Posted By: Hacksaw
Date Posted: Nov/28/2017 at 2:30pm
I figured this was you dicking around.
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Posted By: brome90
Date Posted: Nov/28/2017 at 4:45pm
fkin LOL'd at this
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Posted By: jonesga2
Date Posted: Nov/28/2017 at 6:46pm
| SinisterSister, excellent recommendation of The Million Dollar Financial Advisor. At your recommendation i decided to check it out just today from the library. I'm halfway through already and its an excellent read |
Posted By: advisorman
Date Posted: Nov/28/2017 at 8:24pm
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I don't understand if you are doing 2mm in production why you would any to read a book that would make you just a million dollar producer.... ------------- King of sarcasm and speling |
Posted By: PEACH_cm
Date Posted: Nov/28/2017 at 8:32pm
| That book is terrible. It seems like it is written by a sales manager that failed in production. Just a bunch of ideas of where to prospect. |
Posted By: Guests
Date Posted: Nov/28/2017 at 8:54pm
Great comment as always Advisorman  Sinister- you’re bringing out the best in this forum. Read The Advisor Playbook. More actionable items for someone in your position |
Posted By: SinisterSister
Date Posted: Nov/28/2017 at 8:58pm
Then you have not read it. Mullen trained hundreds of Merrill Lynch advisors. That book uses a dozen of them as case studies, with business between $3 and $15 million, and assets between $500 million and $4 billion. I relate well with some of them.
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Posted By: Guests
Date Posted: Nov/29/2017 at 4:21am
You seriously think I could be that composed?
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Posted By: missionshooter
Date Posted: Nov/29/2017 at 9:44am
I was waiting for Helado to read this shit!
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Posted By: fortwaltonfrank
Date Posted: Dec/08/2017 at 1:49pm
| Hey everyone, I am newly licensed with Edward Jones and I'm looking to learn. |
Posted By: missionshooter
Date Posted: Dec/08/2017 at 2:20pm
Is your cup full of Green Koolaid? if not, get a refill! How is your mustache coming? |
Posted By: advisorman
Date Posted: Dec/08/2017 at 2:51pm
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Thanks for joining us, we find that we learn a lot from current EJ guys. Got any specific investment ideas that are good and fresh we could recommend to our clients? ------------- King of sarcasm and speling |
Posted By: Anwar
Date Posted: Dec/16/2017 at 9:24am
| Hello! |
Posted By: advisorman
Date Posted: Dec/16/2017 at 11:33am
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Thank you for joining the Advisorheads Secret Santa Forum. Please list what gifts you would like to contribute this holiday season. ------------- King of sarcasm and speling |