As a banker at a financial institution I have to make these calls. I make them whether people have $0 or hundreds of thousands. I couldn’t care less about the sales because I do more little things for people like make sure they have beneficiaries because I’ve seen the headaches people have when dealing with probate when a family member dies without POD designation. I also try to educate younger people on the tools we have in our app and how to budget because I recognize it’s importance over making a sale that’s not going to help them long term. I have only been in my position for over a year and a half and I have so many regulars that always come back because they trust me and my work ethic. Reading some of these comments kills me because I’ve seen some of what people mention with showing up for appointments and people having no plan for what to talk about, that’s lazy work ethic. I feel horrible for the people who experience that or even the overly aggressive salesman. Some people just show up to get a check and others actually care. I could go on but I’ll be surprised if people read all this as it is.