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There have probably been worse times in history to jump into the financial advice business, but today's rookies are hard pressed to think of any.
Anybody joining the bullpen in the last four years got the worst of both worlds -- not enough clients to really enjoy the boom years of 1998 and 1999, and then the market tsunami that washed away whatever inroads they may have made during those first years.
"I knew it was going to be hard when I first entered the business in 2000," says Jeremy Elbert, with RBC Dain Rauscher in Fargo, N.D. "But I never imagined that it would be this bad for this long."
Neither did the rest of the class of 1999-2000. ...