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Byron, a lot of who you use can depend on what you do.
As an example our brokerage doesn’t have any ‘volume’ based products so the prices we get may be more than some brokers, but people line up to get tailored advice (which you can’t get from a volume based pigeonholed product). It also depends a lot on what you do – some clients need a tailored product and negotiations whilst others are happy with off the self (like all businesses).
I’ve seen a lot of bigger brokers go the way of becoming call centres and just relying on a computer program form the cheapest price for small clients as there is not much earn from them – that I personally believe to be completely disingenuous – It removes the whole ‘advice’ reason and value add that a broker should be providing…