A different kind of career conversation
Build a practice around helping people get organized.
The Independent Business Associate track is for aspiring entrepreneurs and career changers who want to learn financial services, earn the required licenses, and grow through referrals.
Start the conversationWhat the model is
Independent. Commission-based. Licensing required.
You decide whether it fits your goals, schedule, and appetite for building a referral-based business.
What you are building
A referral-driven practice with an educator-first model.
Representatives serve households in their community through a complimentary Financial Needs Analysis, education, and product conversations that can help families think through protection, debt, and retirement.
There is no promise of easy money or automatic results. Compensation is commission-based and depends on licensing, activity, clients served, and the business you build.
Work by referral
Build conversations through people you know and the connections they introduce — no cold-calling model.
Learn in the field
Onboarding and hands-on training cover the FNA, product line, and field-development model.
Serve real needs
Help families explore term protection, retirement income, and everyday coverage.
Start part-time
Your schedule can start part-time and grow as your requirements and goals are met.
The licensing path
A real process, with real requirements.
Michigan Producer license
Complete the Michigan insurance licensing process through the Michigan Department of Insurance and Financial Services.
FINRA Series 6/63
For mutual funds and securities conversations, complete the FINRA Series 6 and Series 63 registrations through PFS Investments.
Train and practice
Use field training to learn the FNA conversation, product line, and referral-based business model.
Make an informed decision
You decide if it is right for you.
Ask about the licensing timeline, training, time commitment, and how compensation works. Talk with your household. Then decide based on your own goals — not pressure.
- Compensation is commission-based.
- Time commitment varies by your goals and schedule.
- Licensing and training requirements apply.
Interested?
Start with your own questions.
No obligation, no pressure. We will explain the next step and let you decide what happens after that.
Talk with Rayshard