When I worked with large brokerage firms in the 90s, I used to ask: 

• Is all this necessary?
• The high dollar office space?
• The layers of management that needed to be supported?
• The cost of entertaining clients? 
• Was there a better way?

In 2002, I was an early pioneer to telecommuting.  Since that time, technological advances has made officing from home more efficient.  My cost of doing business is low compared to the industry average.  I pass that savings on to clients. 

I offer a unique value proposition.  I have two decades of experience in financial advice.  But I charge less than most competitors.  My low overhead also allows me to limit the amount of clients I serve. My partnership with LPL Financial gives me the security and resources of a large financial firm to handle client assets.  They provide a lot of service, structure and compliance oversight for roughly 1/5 of revenues annually. 

But the client experience is personal.  They are dealing with me.  I get to know what is important to them.  This is a career that I love and plan on serving clients for as long as my mind and body will allow.  I strive for value- wisdom and integrity at a reasonable cost.