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We have all heard the warnings - the average age of advisors is mid-to-late fifties; half of the advisor population will reach retirement age within the next ten years; only one in ten advisors have a written succession plan; there are an insufficient number of new advisors to replace those who will die, become disabled, or retire.Yet it is only in the past ten years that we have really even begun to acknowledge these issues. Up until then, financial advisory practices either faded away with their founders or had their clients scattered among other advisors who may or may not have wanted to accept them. That was not so great for an industry that staked its value proposition on helping people plan for and manage their future well-being. Today, large, well-run, high-profile practices trade hands among like-minded advisors for millions of dollars. I am not worried about them. My concern is with the hundreds of thousands of advisors who have the majority of their personal wealth tied up in their small-to-medium sized practices. Moreover, they are counting on those businesses to fund their own retirement lifestyle. Many will be tragically disappointed because they waited too long, planned too little, and assumed too much. But it doesn't have to be that way. The process of transitioning a financial advisory practice from one advisor to another is relatively straightforward and follows the same path advisors use to counsel clients - create a vision for the future, conduct a reality check on the situation today, and draw a map to take you from where you are to where you want to go.I have been coaching financial advisors for more than 30 years, and they have taught me a lot. In addition to all the practice management insights, one of the most valuable lessons I have learned is that, given sound reasoning and a logical methodology, serious financial advisors will make a focused effort to change their habits and their businesses for the better. So that is what this book attempts to do - provide the rationale and the routine to motivate you to prepare for the eventual transition of your business to the most qualified successor. I am not trying to encourage you to retire - just to get ready for the day when it makes sense to you to exit your practice. The result will be continued service to clients who trust you, greater value to you for your life's work, and greater certainty about the industry's future.Succession planning is not an event - it is a journey. To help us along the way, I have re-introduced Henry, the central character from my book Blunder, Wonder, Thunder - Powering Your Practice to New Heights. We first worked with Henry several years ago when his practice had reached a plateau. Having broken through that ceiling and built his business to an enviable position, we will now follow Henry through various coaching conversations with me as he writes and directs the final act in the story of his life's work. Henry is not a real-life advisor; he is an amalgam of many with whom I have worked. However, all the conversations played out in this book have actually happened in coaching sessions with hundreds of advisors.The truth of the matter is that you will leave your business someday. The question is, will you be in control of your exit, or will you allow fate and circumstance to dictate what happens to the business you have spent so much of your life building?Come join Henry and me. I think you will enjoy the journey!
Milo Weaver has nowhere to turn but back to the CIA in Olen Steinhauer's brilliant follow-up to the New York Times bestselling espionage novel The Tourist The Tourist, Steinhauer's first contemporary novel after his awardwinning historical series, was a runaway hit, spending three weeks on the New York Times bestseller list and garnering rave reviews from critics. Now faced with the end of his quiet, settled life, reluctant spy Milo Weaver has no choice but to turn back to his old job as a "tourist." Before he can get back to the CIA's dirty work, he has to prove his loyalty to his new bosses, who know little of Milo's background and less about who is really pulling the strings in the government above the Department of Tourism—or in the outside world, which is beginning to believe the legend of its existence. Milo is suddenly in a dangerous position, between right and wrong, between powerful self-interested men, between patriots and traitors—especially as a man who has nothing left to lose.
Martha Wells returns to her Hugo, Nebula, Alex, and Locus Award-winning, New York Times and USA Today bestselling series, The Murderbot Diaries, in Exit Strategy. Murderbot wasn’t programmed to care. So, its decision to help the only human who ever showed it respect must be a system glitch, right? Having traveled the width of the galaxy to unearth details of its own murderous transgressions, as well as those of the GrayCris Corporation, Murderbot is heading home to help Dr. Mensah—its former owner (protector? friend?)—submit evidence that could prevent GrayCris from destroying more colonists in its never-ending quest for profit. But who’s going to believe a SecUnit gone rogue? And what will become of it when it’s caught? "I love Murderbot!" —Ann Leckie The Murderbot Diaries All Systems Red Artificial Condition Rogue Protocol Exit Strategy Network Effect Fugitive Telemetry System Collapse At the Publisher's request, this title is being sold without Digital Rights Management Software (DRM) applied.
The Eighth International Conference on Miniaturized Systems in Chemistry and Life Science - MicroTas 2004 - is an annual meeting focusing on the research, development and application of miniaturized technologies and methodologies in chemistry and life science. The conference is celebrating its tenth anniversary after the first workshop at the University of Twente, The Netherlands in 1994. This research field is rapidly developing and changing towards a domain where core competence areas such as microfluidics, micro- and nanotechnology, materials science, chemistry, biology, and medicine are melting together to a truly interdisciplinary meeting place. This volume is the first in a two volume set, a valuable reference collection to all working in this field.
The NGA Women’s Gymnastics Technical Handbook with Table of Elements contains information for all levels of the NGA Women’s Gymnastics Program. From the competitive requirements per level to element illustrations, this manual is designed for quick reference and ease of use. With over 1,400 full-color illustrations, this unique 205+ page Technical Handbook with a Table of Elements will be a staple in your NGA library.
First established in 1993 with a conference in Elba, Italy, COSIT (the International C- ference on Spatial Information Theory) is widely acknowledged as one of the most - portant conferences for the field of spatial information theory. This conference series brings together researchers from a wide range of disciplines for intensive scientific - changes centered on spatial information theory. COSIT submissions typically address research questions drawn from cognitive, perceptual, and environmental psychology, geography, spatial information science, computer science, artificial intelligence, cog- tive science, engineering, cognitive anthropology, linguistics, ontology, architecture, planning, and environmental design. Some of the topical areas include, for example, the cognitive structure of spatial knowledge; events and processes in geographic space; incomplete or imprecise spatial knowledge; languages of spatial relations; navigation by organisms and robots; ontology of space; communication of spatial information; and the social and cultural organization of space to name a few. This volume contains the papers presented at the 9th International Conference on Spatial Information Theory, COSIT 2009, held in Aber Wrac’h, France, September 21–25, 2009. For COSIT 2009, 70 full paper submissions were received. These papers were carefully reviewed by an international Program Committee based on relevance to the conference, intellectual quality, scientific significance, novelty, relation to previously published literature, and clarity of presentation. After reviewing was completed, 30 papers were selected for presentation at the conference and appear in this volume. This number of papers reflects the high quality of submissions to COSIT this year.