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Hit the Ground Running: A Survival Guide for New Financial Advisors

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Hit the Ground Running: A Survival Guide for New Financial Advisors

4.85 75,963 ratings · 1,359 reviews
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Overview: Being a successful financial advisor is one of the greatest jobs you could ever imagine. You are your own boss. You can tailor the job to your interests. You can make a lot of money. You can see the results of your work almost immediately. If you structure your business correctly, you can control your work schedule to achieve a balanced lifestyle. And the financial marketplace is constantly changing, so no matter how long you work as a financial advisor, the job is never boring. However, becoming a successful financial advisor is tough. Most new financial advisors will either give up or be terminated within their first two or three years in business. Some will find a way to survive but always seem to struggle. However, some will succeed beyond their wildest dreams. Luck has something to do with success, but less than we want to admit. I will never forget the words of my first branch manager. He said, "Lucky things will happen, but you have to be around long enough for them to happen to you." To build a successful financial advisory practice, you have to travel along a well-worn learning curve. The sooner you can get further along that curve, the better. That is the goal of this book - to cram one advisor's first few years' worth of travel along the learning curve into an honest and enlightening resource for new financial advisors. Much of this text is opinion - but it is honest opinion based on experience and uncorrupted by any corporate or personal agendas. I have compiled (i.e., stolen) ideas from numerous successful advisors, rookies who have survived and built successful practices, rookies who have either been terminated or chosen to resign, brokerage firm managers, financial product reps, and corporate trainers. The questions that new financial advisors have are not new, but are often not addressed by any formal training program. I hope this book provides you with the perspective required to be a better decision maker and to avoid some of the most common pitfalls of financial advising. Armed with this knowledge, you can hit the ground running, fortified with the survival techniques necessary to enhance your chances of building a successful career as a financial advisor. Michael S. Nichols is a principal partner of Cutter Advisors Group, an independent financial advisory firm with offices in Missouri and Illinois. Dr. Nichols received his PhD in finance from Saint Louis University in 1993. He began his career as a financial advisor at Merrill Lynch in 1998. During his three and a half years at Merrill, Dr. Nichols also served as a mentor and trainer for new financial advisors. At the end of 2001, he left Merrill to create a partnership at Morgan Stanley, culminating in the creation of Cutter Advisors in 2004. Dr. Nichols has also served on the national Certified Financial Planner Board of Professional Review. Academically, he has accumulated more than 20 years of university-level teaching experience in finance and investments as both a full-time and adjunct professor and has served as a master's in business administration program director. He currently serves as an adjunct professor of finance at Saint Louis University and Maryville University.

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Book details & editions

ISBN
22878423
Publication date
February 4, 2013
Pages
N/A pages
Reading Options
PDF · EPUB · Mobi
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About the Author
Michael S. Nichols
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Michael S. Nichols writes contemporary fiction and has always been fascinated by character-driven stories. They hold a degree in English Literature and previously worked as an editor before transitioning to writing their own books. Michael S. Nichols lives with their spouse and a very vocal rescue cat.

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Daniel Perez
Daniel Perez December 11, 2025
A profoundly satisfying read. The prose is exquisite. It’s accessible yet undeniably sophisticated. I am now a lifelong fan of this author.
Elizabeth Lewis
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Barbara Martin September 29, 2024
Masterpiece from start to finish. The pacing was impeccable and the characters felt incredibly authentic. I was completely immersed. I will undoubtedly revisit this masterpiece.
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Absolutely brilliant. I adored how the story unfolded. It kept me captivated without sacrificing elegance. An effortless 5 stars.
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Exceeded all my expectations. I became deeply invested in the protagonist's journey. A masterclass in storytelling. I am now a lifelong fan of this author.
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I was completely blown away. The pacing was impeccable and the characters felt incredibly authentic. I was completely immersed. A true literary gem.
James Clark
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I thoroughly enjoyed the elegance of it. It held my rapt attention, even when certain twists were telegraphed. A very distinguished novel.
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I thoroughly enjoyed the elegance of it. The middle had a deliberate pace, but the climax was phenomenal. A solid 4 stars from me.
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Masterpiece from start to finish. The pacing was impeccable and the characters felt incredibly authentic. I was completely immersed. I will undoubtedly revisit this masterpiece.
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A profoundly satisfying read. I adored how the story unfolded. It kept me captivated without sacrificing elegance. I am now a lifelong fan of this author.
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I was completely blown away. The prose is exquisite. It’s accessible yet undeniably sophisticated. I will undoubtedly revisit this masterpiece.
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Masterpiece from start to finish. The prose is exquisite. It’s accessible yet undeniably sophisticated. A true literary gem.
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I find myself somewhat conflicted. Certain acts were fascinating, while others felt like a slight endeavor to complete. Unlikely to reread, but a reasonable expenditure of time.
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Such a rich narrative. I adored how the story unfolded. It kept me captivated without sacrificing elegance. An effortless 5 stars.
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Absolutely brilliant. It strikes a perfect harmony of dialogue and world-building. Every chapter felt necessary. An absolute must-read for connoisseurs of the genre.
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I was completely blown away. The pacing was impeccable and the characters felt incredibly authentic. I was completely immersed. I will undoubtedly revisit this masterpiece.
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I thoroughly enjoyed the elegance of it. Beautiful writing, though I craved slightly more depth in the lore. Still, undeniably engaging. A wonderful companion for a quiet weekend.
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I was completely blown away. I became deeply invested in the protagonist's journey. A masterclass in storytelling. I am now a lifelong fan of this author.
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I was completely blown away. The prose is exquisite. It’s accessible yet undeniably sophisticated. I am now a lifelong fan of this author.
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Absolutely brilliant. I adored how the story unfolded. It kept me captivated without sacrificing elegance. An effortless 5 stars.
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Such a rich narrative. The author orchestrated a breathtaking finale. Truly a work of art. An effortless 5 stars.
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Such a rich narrative. The pacing was impeccable and the characters felt incredibly authentic. I was completely immersed. I will undoubtedly revisit this masterpiece.
Gary Roberts
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Such a rich narrative. The author orchestrated a breathtaking finale. Truly a work of art. I am now a lifelong fan of this author.
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Steven Turner March 02, 2025
Excellent, though slightly flawed. A brilliant concept executed with flair. Just a few pacing choices I would change. A very distinguished novel.
Ryan Turner
Ryan Turner February 20, 2024
Honestly one of the most premium reading experiences lately. The prose is exquisite. It’s accessible yet undeniably sophisticated. A true literary gem.
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Donna Thomas March 27, 2024
Such a rich narrative. It strikes a perfect harmony of dialogue and world-building. Every chapter felt necessary. I am now a lifelong fan of this author.
Kevin Clark
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An acceptable diversion. Certain acts were fascinating, while others felt like a slight endeavor to complete. Perhaps more aligned with a different audience's tastes.
Matthew Harris
Matthew Harris January 02, 2024
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Richard Diaz
Richard Diaz April 18, 2024
Such a rich narrative. The author orchestrated a breathtaking finale. Truly a work of art. Worth every moment spent reading.
Edward Martinez
Edward Martinez November 10, 2024
A very strong entry. Beautiful writing, though I craved slightly more depth in the lore. Still, undeniably engaging. I would highly recommend this to discerning readers.
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Richard Clark October 07, 2025
A profoundly satisfying read. The prose is exquisite. It’s accessible yet undeniably sophisticated. A true literary gem.
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Masterpiece from start to finish. The pacing was impeccable and the characters felt incredibly authentic. I was completely immersed. An absolute must-read for connoisseurs of the genre.
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Cynthia Brown November 15, 2025
Excellent, though slightly flawed. It held my rapt attention, even when certain twists were telegraphed. A wonderful companion for a quiet weekend.
Susan  Davis
Susan Davis May 12, 2024
It was adequate. The tempo was somewhat languid, and I found my mind wandering. Not poor, simply average. Perfectly average.
Lisa Flores
Lisa Flores October 23, 2024
A very strong entry. It held my rapt attention, even when certain twists were telegraphed. Quite impressive overall.
Ashley Rodriguez
Ashley Rodriguez March 01, 2024
Masterpiece from start to finish. I adored how the story unfolded. It kept me captivated without sacrificing elegance. I will undoubtedly revisit this masterpiece.
Andrew Baker
Andrew Baker November 08, 2025
I was completely blown away. I adored how the story unfolded. It kept me captivated without sacrificing elegance. An absolute must-read for connoisseurs of the genre.
William Moore
William Moore September 13, 2024
Honestly one of the most premium reading experiences lately. I became deeply invested in the protagonist's journey. A masterclass in storytelling. Worth every moment spent reading.
John Gonzalez
John Gonzalez February 20, 2025
Absolutely brilliant. I became deeply invested in the protagonist's journey. A masterclass in storytelling. A true literary gem.
Daniel  Davis
Daniel Davis August 12, 2024
Honestly one of the most premium reading experiences lately. The prose is exquisite. It’s accessible yet undeniably sophisticated. Worth every moment spent reading.
Amanda Baker
Amanda Baker October 21, 2024
Absolutely brilliant. I adored how the story unfolded. It kept me captivated without sacrificing elegance. An effortless 5 stars.
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Such a rich narrative. I became deeply invested in the protagonist's journey. A masterclass in storytelling. An absolute must-read for connoisseurs of the genre.
Patricia Hall
Patricia Hall April 01, 2024
A very strong entry. It held my rapt attention, even when certain twists were telegraphed. I would highly recommend this to discerning readers.
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Sandra Hernandez January 24, 2025
I thoroughly enjoyed the elegance of it. It held my rapt attention, even when certain twists were telegraphed. A wonderful companion for a quiet weekend.
Lisa Rivera
Lisa Rivera January 05, 2024
Honestly one of the most premium reading experiences lately. I became deeply invested in the protagonist's journey. A masterclass in storytelling. An effortless 5 stars.
Carol Perez
Carol Perez January 01, 2024
Honestly one of the most premium reading experiences lately. It strikes a perfect harmony of dialogue and world-building. Every chapter felt necessary. An absolute must-read for connoisseurs of the genre.
Jessica Lewis
Jessica Lewis September 27, 2024
Such a rich narrative. I became deeply invested in the protagonist's journey. A masterclass in storytelling. Worth every moment spent reading.
Lisa King
Lisa King June 10, 2024
Excellent, though slightly flawed. Beautiful writing, though I craved slightly more depth in the lore. Still, undeniably engaging. A very distinguished novel.
James Anderson
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A decent, if standard, experience. Certain acts were fascinating, while others felt like a slight endeavor to complete. Perhaps more aligned with a different audience's tastes.
Matthew Jones
Matthew Jones November 21, 2024
Such a rich narrative. It strikes a perfect harmony of dialogue and world-building. Every chapter felt necessary. Worth every moment spent reading.
Ryan Clark
Ryan Clark May 27, 2025
Absolutely brilliant. It strikes a perfect harmony of dialogue and world-building. Every chapter felt necessary. I will undoubtedly revisit this masterpiece.
Elizabeth Johnson
Elizabeth Johnson March 07, 2024
Masterpiece from start to finish. I became deeply invested in the protagonist's journey. A masterclass in storytelling. A true literary gem.
Sarah  Davis
Sarah Davis October 23, 2024
Took a moment to build, but the payoff was spectacular. The middle had a deliberate pace, but the climax was phenomenal. A wonderful companion for a quiet weekend.
Joshua Roberts
Joshua Roberts June 20, 2024
A profoundly satisfying read. It strikes a perfect harmony of dialogue and world-building. Every chapter felt necessary. A true literary gem.
Dorothy Wilson
Dorothy Wilson August 05, 2024
Took a moment to build, but the payoff was spectacular. It held my rapt attention, even when certain twists were telegraphed. Quite impressive overall.
Jacob Cruz
Jacob Cruz September 26, 2024
I thoroughly enjoyed the elegance of it. A brilliant concept executed with flair. Just a few pacing choices I would change. A wonderful companion for a quiet weekend.
Nicholas Miller
Nicholas Miller November 09, 2024
Excellent, though slightly flawed. A brilliant concept executed with flair. Just a few pacing choices I would change. Quite impressive overall.
Carol Nguyen
Carol Nguyen November 19, 2025
I was completely blown away. I adored how the story unfolded. It kept me captivated without sacrificing elegance. I will undoubtedly revisit this masterpiece.
Gary Nelson
Gary Nelson May 17, 2024
Masterpiece from start to finish. The author orchestrated a breathtaking finale. Truly a work of art. Worth every moment spent reading.
Thomas White
Thomas White January 06, 2025
Masterpiece from start to finish. I became deeply invested in the protagonist's journey. A masterclass in storytelling. I am now a lifelong fan of this author.
David Scott
David Scott April 12, 2025
Exceeded all my expectations. The author orchestrated a breathtaking finale. Truly a work of art. I will undoubtedly revisit this masterpiece.
Gary Smith
Gary Smith October 13, 2025
Excellent, though slightly flawed. The protagonist was compelling, though some subplots felt slightly overshadowed. I would highly recommend this to discerning readers.
Kevin Lewis
Kevin Lewis February 16, 2024
A very strong entry. It held my rapt attention, even when certain twists were telegraphed. Quite impressive overall.
Mary Reyes
Mary Reyes December 21, 2025
I was completely blown away. The pacing was impeccable and the characters felt incredibly authentic. I was completely immersed. An absolute must-read for connoisseurs of the genre.
John Hall
John Hall January 24, 2025
Honestly one of the most premium reading experiences lately. The pacing was impeccable and the characters felt incredibly authentic. I was completely immersed. A true literary gem.
Barbara Nguyen
Barbara Nguyen June 10, 2024
Excellent, though slightly flawed. It held my rapt attention, even when certain twists were telegraphed. Quite impressive overall.
Sandra Hernandez
Sandra Hernandez March 27, 2025
A profoundly satisfying read. I became deeply invested in the protagonist's journey. A masterclass in storytelling. A true literary gem.
Betty Allen
Betty Allen November 26, 2024
Absolutely brilliant. The prose is exquisite. It’s accessible yet undeniably sophisticated. An absolute must-read for connoisseurs of the genre.
Lisa Thompson
Lisa Thompson June 15, 2024
Not entirely to my refined tastes. It verged on repetitive in the second act. A more concise edit would have served it well. Perfectly average.
David Thompson
David Thompson August 15, 2025
Absolutely brilliant. I became deeply invested in the protagonist's journey. A masterclass in storytelling. I am now a lifelong fan of this author.
Jessica Smith
Jessica Smith June 15, 2024
A highly sophisticated read. It held my rapt attention, even when certain twists were telegraphed. A solid 4 stars from me.
Mary King
Mary King February 21, 2025
Masterpiece from start to finish. I adored how the story unfolded. It kept me captivated without sacrificing elegance. Worth every moment spent reading.
Eric Perez
Eric Perez March 20, 2024
A highly sophisticated read. It held my rapt attention, even when certain twists were telegraphed. I would highly recommend this to discerning readers.
Michael Campbell
Michael Campbell October 26, 2025
A very strong entry. It held my rapt attention, even when certain twists were telegraphed. A solid 4 stars from me.
Susan Rivera
Susan Rivera August 03, 2025
A profoundly satisfying read. The pacing was impeccable and the characters felt incredibly authentic. I was completely immersed. An effortless 5 stars.
Christopher Smith
Christopher Smith October 25, 2025
I was completely blown away. The pacing was impeccable and the characters felt incredibly authentic. I was completely immersed. An absolute must-read for connoisseurs of the genre.
Sandra Robinson
Sandra Robinson June 13, 2024
Absolutely brilliant. The author orchestrated a breathtaking finale. Truly a work of art. An absolute must-read for connoisseurs of the genre.
Steven Allen
Steven Allen August 24, 2024
A decent, if standard, experience. It verged on repetitive in the second act. A more concise edit would have served it well. Perhaps more aligned with a different audience's tastes.
Nicholas Brown
Nicholas Brown November 29, 2025
A very strong entry. A brilliant concept executed with flair. Just a few pacing choices I would change. A solid 4 stars from me.
Elizabeth Collins
Elizabeth Collins August 05, 2024
Such a rich narrative. It strikes a perfect harmony of dialogue and world-building. Every chapter felt necessary. An effortless 5 stars.
Donna Anderson
Donna Anderson January 07, 2024
A profoundly satisfying read. I adored how the story unfolded. It kept me captivated without sacrificing elegance. I will undoubtedly revisit this masterpiece.
Jacob Brown
Jacob Brown May 22, 2025
I was completely blown away. It strikes a perfect harmony of dialogue and world-building. Every chapter felt necessary. An absolute must-read for connoisseurs of the genre.
Kimberly  Davis
Kimberly Davis May 30, 2025
Absolutely brilliant. It strikes a perfect harmony of dialogue and world-building. Every chapter felt necessary. An absolute must-read for connoisseurs of the genre.
Christopher Smith
Christopher Smith September 17, 2025
I was completely blown away. The pacing was impeccable and the characters felt incredibly authentic. I was completely immersed. I am now a lifelong fan of this author.
Stephanie Wilson
Stephanie Wilson January 19, 2024
Honestly one of the most premium reading experiences lately. I adored how the story unfolded. It kept me captivated without sacrificing elegance. An effortless 5 stars.
Elizabeth Brown
Elizabeth Brown May 05, 2025
I was completely blown away. The author orchestrated a breathtaking finale. Truly a work of art. An effortless 5 stars.
Melissa Allen
Melissa Allen July 06, 2024
I was completely blown away. I became deeply invested in the protagonist's journey. A masterclass in storytelling. An effortless 5 stars.
Ashley Rodriguez
Ashley Rodriguez February 15, 2025
Excellent, though slightly flawed. The middle had a deliberate pace, but the climax was phenomenal. Quite impressive overall.
Elizabeth Thomas
Elizabeth Thomas July 07, 2024
A profoundly satisfying read. The author orchestrated a breathtaking finale. Truly a work of art. An effortless 5 stars.
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