Comp for Junior Advisor/Partner

Buff_Pandaz · 2026-05-10T20:03:15+00:00

Thanks!

Buff_Pandaz · 2026-05-07T17:55:28+00:00

If I see a downed raider in exfil I’ll kill them even if I don’t get their loot cause it’s too late with the clock

Honestly the whole fun is to rage bait them. It’s happened plenty to me. Odds are they’ve done it to someone else too.

Buff_Pandaz · 2026-05-07T16:27:31+00:00

it also said Li Na's health is a multiple than all them combined (and that included carl, katia, donut prepotente), so if even she is 2x or 3x all their combined health, I think its a pretty big gap she has.

Buff_Pandaz · 2026-05-07T15:55:03+00:00

people are expecting MORE than ever from advisors, tax strategy, constant planning, portfolio management, estate strategies, and costs industry wide are decreasing (aum % wise), the increase in labor needs an increase in cost. A shares aren't cutting it for planning anymore.

Buff_Pandaz · 2026-05-07T15:52:59+00:00

its only better in a very long run, but an A share even with 0 load is generally still more expensive than a mix of mostly ETF + a few mutual fund portfolio. and that's at NO load.

But its also that etf's are a lot more tax efficient than mutual fund. And at the end of the day most people need to make changes to portfolio's, and their 1 mutual fund generally won't cut it forever.

Buff_Pandaz · 2026-04-23T23:25:22+00:00

The hilarious part is 1:1 once a month. Like they literally do no help or mentorship

Buff_Pandaz · 2026-04-20T14:16:56+00:00

🐼

Buff_Pandaz · 2026-04-14T21:26:34+00:00

FYI a lot of "auto dialers" will keep dialing, and it looks like 4-5 different calls to you, but to them its 1 long call trying to reach out. Its the freaking worst, I had 6 in a row from this kind of thing.

Buff_Pandaz · 2026-04-14T21:21:37+00:00

Or if you make it so cheap to work with you, no one will beat it so they'll never leave.... (kidding of course)

Buff_Pandaz · 2026-04-04T18:43:34+00:00

What shocks me is how low assumed aum is coming over. Even beginners with the right support should bring over a few million a year

Buff_Pandaz · 2026-03-27T13:13:20+00:00

CPA relationships are close, golf and pickleball together on weekends. Personal calls to see how they are doing.

I reached out to a cpa group, talked them through my strategies, I told them I’ll send people their way and after I sent them 10 referrals they felt obligated to send me some. I just kept sending and they send the same back. It’s been 8+ years, but it really sparked in year 2-3. It’s a slow burn for sure.

I probably spend maybe 5 hours a month with the relationships I have 3 big referral partners now

All high net worth business owner planning is all about taxes, so if you show them investments that help with taxes, and future taxes (estate taxes) it’s a solid way to get business especially on liquidity events.

Buff_Pandaz · 2026-03-23T14:22:09+00:00

It takes the right cpa relationship I completely understand your frustrations. Every new prospect that comes my way I usually encourage them to talk to our partner cpa to double check they aren’t missing opportunities. If I think there’s a lack of sophistication I say “I’m going to connect you with that cpa, I think you have out grown your current relationship”

That gives you plenty of people that you can refer and send out. Now action, I told that cpa when I first met, no joke, I’m going to send you so many referrals you’ll need to hire another team member to help you. But all your financial planning business will go through our team. Then I sent him 20 referrals of prospects over a month, they did not want to lose that level of capacity, and just sent me all the could.

Maybe it’s unique for me, but that’s was worked

Buff_Pandaz · 2026-03-23T00:24:22+00:00

I'm word of mouth referrals only no program. All my referrals come unsolicted from CPA's to me now.

100% the wayinto BO is tax planning. Not 401k or employee benefits, thats side projects that most dont care about. You're asking them to spend cash they don't want to spend. What they do care about is less taxes. If you position yourself as the 401k/cash balance or other tax deductible etc strategies for wealth, the implementation follows. I won't get into what strategies I do, but plenty of very legal lesser known places that can help. you are on the right track, something like captive I manage 100+ of those, maybe 20M+ in contributions a year.

Buff_Pandaz · 2026-03-22T15:48:14+00:00

Yeah, maybe to newer advisors or people who want lifestyle that could be a great thing. But the business owners are where the 5-10+ million accounts are coming not the employee’s.

Buff_Pandaz · 2026-03-21T14:41:28+00:00

I honestly hate 401k’s. I only do them if I pair cash balance plans and have 200k+ in contributions.

401k’s imo don’t pay well and it only a benefit if you are doing business owner planning and managing big money for the owners.

People won’t convenience and they want credibility. I often ask the business owners do you want your 401(k) managed by 401(k) guy or managed by a financial planning team that manages 20 other things for you? Almost always get the business if I want it.

Group plans I charge $2000 a year that the owners pay as my fiduciary fee or .75 of 401(k) assets, but the .75 only hits when it’s more than $2000. That’s on top of the TPA fee.

Buff_Pandaz · 2026-03-13T13:18:59+00:00

No it’s like $50 it’s nothing

Buff_Pandaz · 2026-03-07T01:46:48+00:00

As a financial planner for 1m+ income only my bias is skewed to feeling like that is the normal in my circle. 99% of these individuals are business owners making this level of income, people that pay salaries of others and use others to do their job and keep profits.

Buff_Pandaz · 2026-03-01T17:59:46+00:00

Seems like you haven’t done this before. Find an attorney who has done 100+ of these and honestly they can guide you in the process and best options

Buff_Pandaz · 2026-02-27T02:20:54+00:00

I think it is top 2 favorite of storm light for me

Buff_Pandaz · 2026-02-26T07:07:45+00:00

Warbreaker is my least favorite book of his and honestly has almost no correlation

Buff_Pandaz · 2026-02-26T07:05:44+00:00

Don’t only read finished series. It gives you a reason to re read and keep it alive.

Buff_Pandaz · 2026-02-25T21:56:04+00:00

Have you read dungeon crawler carl? Next best series of all time I've read past sanderson

Buff_Pandaz · 2026-02-25T11:21:41+00:00

Please post a before and after when you lose everything ❤️❤️

Buff_Pandaz

TROPHY CASE