My broker dealer is Cambridge Investment Research, but we custody all of our assets with Fidelity Investments IWS and Schwab Institutional. This is our first year (2016) to do IUL production and it looks like we will do about $250k in target premium. We currently pay all the ticket charges for our clients accounts and charge an annual management fee. We do not use any third party money managers, it is all done in house through research and model management. I have a younger advisor from JP Morgan that is handling all the model management with myself and we do the research together, primarily stocks and ETF's.