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When I was with NYL its was a similar deal except that the cost was much more reasonable...You start out in the bullpen with a lot of other rookie agents you had access to the 1 company computer and the conference rooms the office receptionist would greet your clients if you had any come to the office cost was mainly your phone expense you had a direct line which was nice because you could move out of the branch/district office into something of your own if you desired. You could move up to one of the offices for more coin.
Oh about being a Registered Rep and it not being possible to move out of the office...Its your principal that doesn't want to let you opporate out of home...I'm an independent operating out of a home office my OSJ is 2 states away I travel there for meeting (sucks) and they sign off on all transactions...also up here in Maine all the Metlife Financial Resources agents work out of there homes and most of the regular met agents work out of homes...they may keep a cube in the main met offices but do to the distances involved making everyone work out of 2 or 3 offices statewide is not feasible.
You are very correct! I was an OSJ, still 24 licensed, for Lincoln, and had brokers that lived all across the country.
As you said I went to them to do their annual audits, and they came to me for the "mandatory" compliance meetings.