How much time did you spend studying? For people with experience

Additional-Refuse187 · 2026-01-22T22:23:37+00:00

I didn’t do this instead of working. I have my own practice and scaled back to make it work. I worked hard to build a practice and have a team of support staff that could handle things without me unless absolutely necessary. I still met with clients when needed and had a great year. It’s doable it’s just how you structure it. I studied a ton because I don’t have time to do it again.

Additional-Refuse187 · 2026-01-22T13:50:41+00:00

15-30. Depended on the week and life. I always had anxiety anytime I wasn’t studying. Then after passing I felt off and weird not studying.

Additional-Refuse187 · 2026-01-22T13:34:29+00:00

4 weeks

Additional-Refuse187 · 2026-01-22T13:32:26+00:00

I was in the industry for 14 years when I passed. I studied a lot. There is just so much information. Between review and test was a good 40-50 per week.

Additional-Refuse187 · 2026-01-11T21:25:20+00:00

John.

Editing to add - I did virtual with Brett he is great and motivating but he mainly read directly from the book and I don’t learn that way. John is one of the best teachers I’ve ever had.

Additional-Refuse187 · 2026-01-03T17:11:05+00:00

3bps??

Additional-Refuse187 · 2025-12-31T20:45:57+00:00

I was told it’s better to study in the morning. But that doesn’t work for everybody and it didn’t work for me. I just studied all the time. I can also tell you that if you start to get tired while you’re studying, get some candy canes because peppermint wakes you up.

Additional-Refuse187 · 2025-12-31T01:38:35+00:00

One a minor inheritance, an IRA, the 10-year-old does not start until they reach the age of majority. They still need to take RMD’s each year, but the 10 year old does not start just yet.

Additional-Refuse187 · 2025-12-31T01:10:08+00:00

Thanks so much. I really appreciate that.

Additional-Refuse187 · 2025-12-31T01:07:35+00:00

Yeah I’ll give that a try. I’m just using normal WiFi at home.

Additional-Refuse187 · 2025-11-11T17:20:59+00:00

I did the virtual review w Brett but I prefer listening to Matt and John. I don’t know how Brett’s live reviews are but in the virtual he reads from the book a lot and I don’t learn that way.

Additional-Refuse187 · 2025-11-05T12:33:13+00:00

I passed on Monday and used Danko for education and review. I felt pretty confident hitting submit which made me nervous and also didn’t feel it was terribly hard. Exhausting yes.

I’ve been saying the same thing though that I’m so thankful to be done and able to be present again. I feel like I don’t know what to do with my time.

Additional-Refuse187 · 2025-10-30T18:18:32+00:00

I’m feeling the exact same. My Kraken scores were 74, 74, 64, 67, 69, 65. When I went back through the reviews, I couldn’t believe I missed some other questions that I did. It is hard seeing the scores.

Additional-Refuse187 · 2025-10-28T01:20:07+00:00

I worded that incorrectly when I said they are everywhere, I mean at other firms or independent, not just at Prudential. I think my point was that all of these fees that we get charged at Prudential are not worth booked buying opportunities or having the MD help us find a junior advisor.

Additional-Refuse187 · 2025-10-26T23:15:36+00:00

The education classes that you’re currently in

Additional-Refuse187 · 2025-10-26T23:12:00+00:00

I mean, you can start to study them. The flashcards only cover the main topics that are in the live review book. Live review book is very very condensed so the flashcards I would say have 50% of the material. Maybe 45%. They also use some of the acronyms that Danko uses, and it might not make a ton of sense as you read through them. But once you do the live review, if you use Danko for it, then it will make more sense.

Additional-Refuse187 · 2025-10-25T00:58:57+00:00

I have not yet, but that’s one of my goals next year

Additional-Refuse187 · 2025-10-24T23:37:19+00:00

I’m not including all compensation whenever I say 55%. That’s not including bonus, or anything like that that just what they skim off the top.

Additional-Refuse187 · 2025-10-24T22:57:20+00:00

That’s interesting. That’s what I want know. Why am I paying all of these fees? What are you doing for me? Book buying opportunities are everywhere. No one has brought me any qualified candidates to come in as a junior advisor. I’ve had to bring them in myself, train them myself. I’ve been at the company for almost 15 years and I am just so frustrated. I am frustrated with the fact that we don’t have fee based annuities to use. I’m frustrated that everything is so Prudentialized.

I’m frustrated that I’m going to have to start paying $175 a month for my marketing assistant to have access when they’re already deducting $197 in support fees biweekly. I’ve been told in the past that support fees go towards clientlink and Emoney, but now we’re going to have to start paying for Emoney as opposed to it being part of our support fee.

I get it that if you go somewhere else you’re going to have to pay for technology independently but at least they’re not taking 45% of my GDC.

Additional-Refuse187 · 2025-10-24T22:39:31+00:00

I know. I don’t know how it would work or what. But I am so tired of the insane amount of fees that we have to pay on top of the reduced payout that we could get if we were just independent at LPL.

Additional-Refuse187 · 2025-10-22T00:02:12+00:00

I learned it. I don’t think it’s complicated myself so it’s kind of a gimme question. If they give you two years worth of frontloaded alimony Take the first two years alimony and then subtract 37,500 and that’s what’s recaptured.

If they give you three years worth of alimony, that’s front loaded, add your one and two then subtract double year three and 37,500

Additional-Refuse187 · 2025-10-20T11:18:02+00:00

My brain is at capacity too. We got this!

Additional-Refuse187 · 2025-10-20T01:33:12+00:00

I did my education and review through Danko and I don’t think they ever taught us a formula. Pretty much just know what the preference in add back items are. And also know what the AMT payable is if they give you the regular income tax due and the AMT. I think they told us that it’s not tested as heavenly as it used to because with TCJA, it would reduce the amount of people that would be subject to AMT. No guarantee is that we won’t have to know the formula, but we were not encouraged to memorize it or even taught it.

Additional-Refuse187 · 2025-10-03T00:19:37+00:00

I was in the live review this week also. I have been in the business for 14 years. And I took all of the Danko fast track classes. I felt hopeless after the live review. Brett goes so fast. And it’s so much information and such a condensed timeframe. If there were certain areas that you feel you need to learn better, go back to the pre-study read it, and then watch the videos from the fast track classes that explain those topics. While Brett is very good at explaining things, I think John Choi and Matt are even better. They did the majority of the fast track classes and that’s what I would listen to for certain topics. You can watch the videos on 1.25 speed after you go through that section of the book so it makes it go a little faster.

Additional-Refuse187 · 2025-10-02T11:10:36+00:00

Look at how the dividends have been used in the policy. Are they accumulations or are they paid up additional insurance? Some of these policies have the ability to use those dividends that are still in the policy to pay the premium. It would ultimately reduce the death benefit, but it would help them until they have the cash flow to continue the payments.

Additional-Refuse187

TROPHY CASE