I'm an independent adviser with series 7 & 66 licenses, and working on my CFP. The majority of my business consists of retirement assets with individual/family clients. We're in the process of phasing out the majority of the commission based business and transitioning mostly to fee based. We focus a lot of time not only on managing investments but also doing in-depth, long-term retirement planning including social security planning, medicare, and pension planning. Buying a book of business is the main reason I'm on this site, but I'm also considering joining a firm with expertise that I don't currently have where I can continue to grow/expand my business, and eventually be a successor for somebody gradually phasing out of the business.