4. How does this move help me build long-term value?

Payouts are nice. But they’re not the whole game.

The best advisors think like entrepreneurs. They’re not just looking at what they’ll earn next quarter—they’re looking at how this move sets them up to scale, to sell, or to step back someday.

Questions worth asking:

Will I own my book outright?

Can I build a brand that’s transferable?

Is there a succession plan in place?

Can I hire, grow, or sell on my terms?

Industry perspective: According to Schwab’s 2023 RIA Benchmarking Study, firms that operated with true independence grew 60% faster than those in traditional captive models—largely due to greater freedom in branding, hiring, and M&A activity.

Mentor tip: Don’t just chase better economics today. Look for a platform that supports the business you want to build tomorrow.