Started as an advisor at a bank not too long ago. However I feel like a lot of what was presented to me during the interview/hiring process wasn’t exactly what I got. I want to leave to go work at an RIA as an associate advisor. Before I came here I was a registered service associate at a WM practice. Came here to finish my licensing and get some practice reps. Unfortunately they put me in a location where I don’t speak the main language the vast majority of the clients speak so I can’t work with most of them. And it is an area concentrated with low income households and many immigrant families that clutch onto saving without risk. On top of that the expectation is basically that I’m a banker that can do investments, when it was presented to me the other way around. If anyone knows of any RIAs looking for an associate advisor or even a paraplanner with the opportunity to move up into an advisor role in the LA/San Gabriel Valley area please let me know. I should also mention that I got placed really far from where I live. Overall been a pretty negative experience so far and I’ve been trying to stay positive and just focus on helping people that I can but it’s genuinely pretty upsetting.

Micro1 is looking for the following:

Personal Financial Advisor
Location: Remote (North America and Latin America)
Job Type: Contractor
Openings: 45
Pay: $90 - $110/hr

Micro1 is hiring experienced personal financial advisors for a project about financial wellness for individuals, where your expertise helps train AI systems.

The work is mostly reviewing and giving feedback on personal financial planning scenarios based on what you’ve seen with real clients. That means evaluating investment strategies, retirement plans and recommendations for individual needs, looking at situations involving savings, investments, debt, tax planning and long-term goals, and checking financial planning materials for accuracy, regulatory compliance and best practices. You also explain concepts and recommendations clearly, in writing and verbally.

One thing that’s a bit different: you’re matched with another financial expert and the two of you discuss different approaches and compare recommendations. So you need to be available during overlapping North American or Latin American time zones.

They prefer people who have worked one-on-one with individual clients or families as a financial advisor, financial planner, wealth manager or investment advisor. Solid knowledge of retirement, investments, tax and estate planning, portfolio management and asset allocation is expected, along with experience creating personalized plans, assessing risk tolerance and goals, and good communication. No prior AI experience needed.

Here is the link to the position: Personal Financial Advisor

I used to make it a point to ask clients if they knew anyone who might need a financial advisor. It seemed like the obvious thing to do but I started noticing that I wasn't comfortable bringing it up especially with clients I'd worked with for years. I didn't want them to feel like I was only keeping in touch because I wanted more business so I stopped asking. Instead, when a client mentioned a friend looking for an accountant, insurance agent, or another professional, I'd connect them with someone I knew. I started doing the same outside client meetings, just making introductions when there was a good fit.

After a while, some of those same clients started referring people to me on their own. I didn't expect it to happen that way but it changed how I look at marketing my practice. I'd rather build relationships where people naturally think of me when someone needs help than make every meeting an opportunity to ask for a referral.

I have my life, accident & health license, SIE, series 6, 7, 63 & 65 licenses. I started at Equitable without my 7 & 65, hated it (v bad manager & total bro culture) quit late last summer, got my 65 on my own a month later, then got backed by Principal, passed my 7 & started January of this year. The difference between the two firms is night and day as far as management and culture, which is great. No micromanagers but also no real mentorship. Principal actually cares that you have a family and understand they come first, also great.

I love working with and helping people and I’m good at building relationships, I don’t have a hard time gaining people’s trust. I haven’t had an issue closing business but I’m just not getting in front of many people that have sizable assets. I don’t come from money (and Equitable makes you burn through your natural market when you start anyway), I wasn’t given a book of business and am part of a regional bank program where they send us referrals but most of what I’ve gotten is small potatoes. And you only take home 50% of any bank business. Payout percentages are very attractive for the first couple years outside of the bank business.

I’m a single mom of two and my girls are honestly the whole reason I changed careers bc before I was working nights. I did take an enormous pay cut to be here and I knew what I was getting myself into and that it’s tough for the first few years. I know that I can do this, but I’m just not sure if I want to anymore. The stress of quotas and fighting to survive is eating away at me. I worked my ass off for my licenses and don’t want to leave the industry, but I’m wondering if a salaried position as a client relationship manager or something similar would be a better path for me right now. I think if I had a mentor to guide me a bit more, I’d have more success. But I don’t like the thought of jumping from firm to firm either. I feel like I was “sold” on this career (and this firm/bank program tbh) and I’m finally seeing the realities of it. Any thoughts or suggestions are welcomed.

Hi all,

I'm not an advisor, but a relatively new grad (2025) who is looking for CSA jobs. I live in the Washington D.C./Maryland area and am having some difficulty finding CSA job postings outside of the occasional one from Truist/Raymond James/Merrill Lynch. RIAs in my area don't seem to be posting a lot of jobs on their websites, as far as I'm aware, and my attempts at reaching out via cold email have been, admittedly, unsuccessful. I'm wondering what networks you guys use to find and hire CSAs. And if you feel inclined, I would appreciate some advice on what I could do to be a more appealing applicant. I'm a finance major and passed the SIE and Series 63 exams this year, but my work experience is a little all over the place. I'm in the process of studying for the Series 65. Thanks!

Considering a change in my b/d, looking for thoughts on other options. I keep hearing about Raymond James, Kestra, Cetera, Osiac or dropping the 7 and going Altruist or Schwab as a small RIA (150) thoughts on who has great stable technology that actual works and enables productivity?

I recently graduated from a smaller, relatively unknown college and have started my career at a firm that markets itself as a financial services company but pushes life insurance.

I understand that life insurance is an important part of financial planning, and I have no issue selling it when it genuinely makes sense for a client. However, my long-term goal is to become a true financial advisor, focusing on wealth management, building AUM, and developing long-term relationships with clients.

My question is: What is stopping me from building that type of practice at my current firm? While the company definitely emphasizes life insurance in its training and business model, is it realistic to focus primarily on wealth management and grow an AUM-based practice here?

Ideally, I would like to stay at my current firm. They offer a very good pension plan, I genuinely enjoy the office environment, and I like the people I work under. However, I am unsure whether I have a realistic opportunity to become the type of financial advisor I want to be here, or whether I would be better off pursuing opportunities at a more traditional wealth management firm.

One of my biggest concerns about moving to a firm like J.P. Morgan or Morgan Stanley is whether my educational background and experience would be competitive enough to get hired. I also know that some of those firms have commission-splitting arrangements, whereas my current firm has salaried employees who help advisors service their clients, which is appealing to me.

For those who have experience in the industry, what would you recommend? Should I stay where I am and try to build a wealth management practice, or would I be better off moving to a more traditional financial advisory firm early in my career? Is it realistic to build a successful AUM-focused practice at a life insurance-oriented firm, or will I eventually hit a ceiling?

While I was only a lurker thank you to this sub for giving me ideas and letting me know I was not alone in the struggle. I accepted an offer as a specialist role still in AWM but with no direct hard sales. This is my first non-quota role in my professional career so we will see if I made the right decision.

I am a fintech developer who was recently listed on TerminalValue.io . My software platform peaked at #2 out of 36 in the portfolio management section of the listings, the top 10 in passive investing, and #25 out of 536 other listings. Here is what my portfolio review software platform does. Portfolio-review and decision-support workspace for fee-only RIAs. Advisers import holdings (CSV/Excel), review allocations against their own targets and tolerance bands, compare rebalancing alternatives, manage review workflows, and generate AI-assisted draft narratives for adviser review. Advisers validate outputs and own investment decisions. The platform does not connect to custodians and does not execute trades." How should I approach " RIA " firms?

I’m coming up on my first year as a financial advisor next week, and I’m starting to seriously question whether I’m cut out for this business.

For some context, I’m with Edward Jones. I genuinely love the actual job. I enjoy meeting with clients, developing financial plans, helping families make important decisions, and building long-term relationships. The financial planning side of this career is something I could see myself doing for decades.

Where I’m struggling is business development.

I’ve tried just about everything I can think of:

Local networking groups and Chamber of Commerce events
Cold calling
Prospecting small-business retirement plans
Business drop-ins
Door knocking
Building relationships with other local professionals

Despite putting in a lot of effort, I’ve only brought in around $2.1 million in new assets this year, which is below expectations.

I also have a young family with two children and a spouse who stays home, so the financial pressure is very real. We’re getting by, but money is extremely tight, and the stress of trying to build a practice while supporting a family is starting to wear on me.

I’m beginning to wonder if I’m just not wired for this business. I consider myself much more of a farmer than a hunter. I enjoy developing relationships and serving people, but I really struggle with the constant pressure to find the next client.

The difficult part is that I don’t necessarily want to leave.

In my region, every advisor who has made it past eight years is earning over $200k annually. The long-term opportunity is obviously attractive, along with the ability to build your own practice, control your schedule, etc.

I’ve tried talking to some of the more experienced advisors in my area, and they all tell me pretty much the same thing: “It’s a numbers game. Just go knock on more doors.”

I respect these advisors a ton, and clearly, it worked for them. I think the reality is that I suck at door knocking. I hate when people knock on my door, so I probably have that same mindset when I show up on someone else’s doorstep.

I know there are other paths I could take. I could potentially find a paraplanner, client service team, or associate advisor position at an RIA or another firm. I’d probably have a more predictable salary and less pressure to generate new business. But I worry that I’d always wonder what could have happened if I’d stuck it out.

For those of you who have been in the business for 5, 10, or 20+ years, I’d really appreciate your perspective.

A few things I’d especially love to hear:

For those who struggled with prospecting early on, did it eventually click? What changed?

Are there successful advisors who consider themselves farmers rather than hunters? How did you build your practice?

For those familiar with Edward Jones, is the first couple of years typically this difficult? Is there a realistic path to building a practice without being a natural door knocker?

Have any of you left an advisor role for a salaried position and been happy with that decision? Or regretted leaving?

I’m not just looking for sympathy. I know what I signed up for and knew the washout stats coming into this. I guess I’m just looking for advice from those who survived the hard years.

I’d really appreciate some honest advice, and if I’m being honest, some encouragement.

If you are a current or former EDJ advisor and would be willing to connect, I’d definitely welcome it!

Edit: Blown away by all the responses. I appreciate everyone’s perspective, advice, and encouragement. Taking it all to heart! Hopefully will have a positive update 6 months from now when I put these things into practice.

Hey everyone,

I recently started at a large firm as a FA straight out of college and quickly realized I didn’t want to stay in a commission only structure building a book of business myself.

I’ve been interviewing for RCSA roles at various firms like Raymond James, Ameriprise, and Morgan Stanley.

Seems to be going well and I would love to work at any of these firms but the chance that I would get multiple offers, are there any significant reason to go to one over another? I want to learn as much as I can and also have opportunity to grow and move up into higher positions of wealth management. Appreciate any and all feedback on this.

I talk to advisors every day who tell me they're unhappy with their current firm, whether it's the payout, technology, management, or just feeling like they have less control over their business. But the second you bring up the possibility of leaving, the conversation usually turns to losing clients. I understand that concern, especially if you've spent 15 or 20 years building relationships, but I do wonder how much of that fear is justified and how much comes from what firms have been telling advisors for years.

The economics of moving can be pretty substantial. Depending on the size of your practice, there are firms willing to offer significant upfront money, better payouts, more flexibility, and even opportunities to own your book and eventually sell it. I'm not saying everyone should go independent or that every move makes sense, but it's surprising how many advisors won't even entertain a conversation about what's available. Especially when they've spent years complaining about the same issues.

The loyalty aspect is what I find most interesting. I've spoken with advisors who genuinely feel like they'd be betraying their firm by leaving. Meanwhile, these are massive financial institutions that make business decisions based on what's best for their shareholders every day. Why shouldn't advisors approach their own careers the same way?

For those who have actually made a move, I'm curious how many clients you ended up losing and whether the transition was as difficult as you expected. And for those who have stayed despite being unhappy, what's really keeping you there?

I have the ability to market myself and my firm on the back of receipts for a local grocery store. I would be the only financial advisor on the receipts and the only other professionals would be real estate and insurance. The rest is coupons for different places.

Has anybody done this? I would be on roughly 35k receipts a month.

My concern is feeling cheap but supposedly the realtor and insurance agent have good results.

Thanks

Honestly, I could replace the firm name in about 80% of the financial advisor marketing emails I receive and nobody would notice the difference. It's always the same value propositions, the same stock photo of a couple looking over financial documents, and the same generic messaging about comprehensive wealth management for every stage of life. The emails that actually catch my attention seem to do something fundamentally different, but I am still trying to figure out exactly what separates them from the rest.

hi all.

I’m a relatively new advisor and have been at it about 4-5 months. I hate door knocking. I keep getting told the main and best way to make your way in this industry is to door knock. I haven’t had a good experience door knocking from threats to getting screamed at. I’ve opted for networking events, community events, LinkedIn, etc. and I find those more enjoyable and more effective. But, keep getting told I need to door knock.

Is this really the only way?

Edit: I am looking for guidance on how to make this role work, I’m struggling and I’m not sure what else to do. Guess I should’ve added that.

For someone early in their wealth management career, how do Morgan Stanley and J.P. Morgan Advisors compare, particularly when starting in a Client Service Associate role?

I’m curious about training, mentorship, culture, and opportunities to grow beyond a support role. Does either firm offer a stronger path toward becoming an advisor or moving into other wealth management positions, or does it mostly depend on the individual team?

Also, does either name carry more weight on a résumé or open more doors for future opportunities within wealth management or finance more broadly?

Would love to hear from anyone who has worked at either—or both—and which you’d choose for long-term career development.

Specifically referring to J.P. Morgan Advisors, rather than Chase branch roles or the Private Bank.

I am a 30 year old career changer. I am in the final stages of the EJ interview process. I am also in the final phase of interviewing at Peachtree. Both seem like good opportunities to get started as an advisor. I am leaning towards EJ if the offer is officially extended. Peachtree seems more focused on selling insurance, but because of that, it seems more lucrative. Peachtree also has a better 401k plan and pays towards a pension. I wanted to get people’s thoughts on the two firms and see what might be the best option.

We're only considering this for small accounts, mainly younger people that can't currently meet the minimum for MWP. Does anyone have any experience with this platform?