Eʻikeʻoe i kēia mea a me nā inoaʻoihana like pū kekahi i loaʻa i loko o nāʻoihana lawelawe kālā'ē aʻe ma waho o ke kumukūʻai, e like me ka waihona kālā a me ka ho'ēmiʻana i nā kumukūʻaiʻo Fidelity Investments, e hōʻike i kahi hoʻokahi hiʻohiʻona.
Eʻike i ka weheʻana i nā wehewehe
E hoʻohana i kēia mea hana no ka huliʻana i ka weheʻana o ka hana ma ka papa.
Nā Laikini a me nā Palapala Hoʻoholo
ʻO nāʻano o nā palekana a me nā waiwai hoʻoili a ka mea hōʻai'ē kālā eʻaeʻia e kūʻai aku ma muli o nā palapala laikini FINRA i hoʻopaʻaʻia e ia. ʻO ka hapa nui o ka pūʻulu FINRA Series 6 a me nā laikini Lunamaka'āinana 7 . Ma waho aʻe o nā kulekele inikua, hiki i kekahi e mālama nei i kahi laikini Series 6 ke kūʻai aku i kekahi mau huahana hoʻolako i hoʻokomoʻia e like me nā kālā ākea a me nā kālā kālā. Ke kūʻai aku nei i nā hoʻolaha kālā nui loa aku, e like me nā ukana a me nā mea paʻa o kēlā me kēia kanaka, koi aku i kahi laikini Series 7,ʻo ia ka mea kūpono maʻamau no ke kūkākūkā kālā i loko o kahi hale kūʻai hoʻopalekana.
Ma loko o kahi paʻa i hāʻawiʻia, e hoʻomaopopoʻoe i kekahi mau mea kālā e hiki ke lilo i mau mea mālama 6 aʻo nā mea'ē aʻe he 7 akamai. No laila, me ka loaʻaʻana o ka inoa like, ma waena o kēia poʻe mea hana, hiki i keʻano o ka hoʻololi waiwai o nā huahana a me nā lawelawe kālā e hiki ai iā lākou ke hāʻawi aku i kā lākou mea kūʻai, a me ko lākouʻike a me ko lākouʻike.
I kēia manawa,ʻo ka poʻe e hāʻawi ana i nā lawelawe hoʻolālā kālā, ponoʻole lākou e mālama i kahi hoʻolālāʻilihune i nā Palapala Hoʻoholo (CFP), akāʻaʻole pono ka mea nāna e hoʻomaopopo i ka mea maoli.
Ke kuhikuhina o ka Pelekane
ʻO kekahi o nāʻoihana poʻokela e hoʻohana ana i ka inoa koho kālā ma waena o ko lākou pūʻali koaʻo Northwestern Mutual, John Hancock, Allstate, a me Guardian Life.
Ka uku
'Oiho keʻano o nā uku hoʻolimalima ma ke kūpaʻa a hiki paha ke hui pū me ka uku, uku uku (bonus) a me nā komisina . Ke hoʻomanaʻo nei i ka uluʻana ma waena o ka 'oihana lawelawe kālā , hiki i nā luna hoʻolālā kālā ke kuleana no ka nui o nā lilo, e like me ke keʻena o ka keʻena, nā lakohana, kālepa a me nā mea kūʻai. Ua hoʻokumuʻia kekahiʻano i ka wā i hoʻokumuʻia e pili ana i ka uku kumukūʻai kālā. Ma kekahiʻaoʻao, hiki i nāʻoihana ke uhi i nā uku a me ka hoʻolahaʻana paha i ka uku uku palena palena no nā wahi hou i ko lākou mau makahiki mua o ka hoʻolālāʻana i ke kula, e kōkua iā lākou e hoʻokumuʻia.
Ke paʻakikī nei kaʻikeʻana i nāʻikepili kūpono ma ka pānaʻi kaulike ma nā hoʻoponopono helu. ʻO ka hapa nui,ʻaʻole i hōʻikeʻia e ka Office Office o ka Nānā Lāhui Nānā i nāʻikepili no nā mea hōʻike kālā. ʻO kā lākouʻoihana pili loa e pili ana i ke kālā a me nā mea kūʻai pāʻoihana (e hahai i nā loulou no nā mea ma luna aʻe nei), a me "Securities, Commodities, and Financial Services Sales Agents." No ka mea hope loa, he $ 72,070 a me 90% i loaʻa ma ka helu o Mei 2014 i loaʻa ma waena o 32,170 a me $ 187,200. ʻO ka helu hope loa mai ka $ 166,400 i ka makahiki 2010.
Wahi a nā pūnaewele pono maoliʻo nʻezie.com a me Glassdoor.com,ʻo ka uku makahiki no kekahi "Lunamaka'āinana kālā" kahi i $ 50,000.
Hōʻikeʻia nā kiko'ī o Glassdoor mai nā pūʻulu i kaupalenaʻia no kaʻikepili pilikino mai nā mea hoʻohana o ia pūnaewele, a pēlā,ʻaʻole hiki ke laweʻia heʻano nui a he mana.
Pēlā nō hoʻi,ʻO ka hoʻopukaʻiaʻana o nā huahelu e pili ana i nā papahanaʻoihana o kēia manawa ma kāna pūnaewele, a pēlā nō hoʻiʻaʻole mamao loa. ʻO nā pānaʻi makahiki maʻamau i nā pūnaeweleʻelua he hiki ke loli, me nā piʻi a me nā haʻahaʻa e pili ana i nā papa inoa a me nā hōʻike pilikino.
ʻAʻohe mea hoʻohālikelike, ma nā māhele hopu o ko lākou mau pūnaewele, e alakaʻi ana i nāʻoihana inikua i nā uku a pau o kā lākou mau luna waiwai (e like me ke top 10%, ka luna 1,000 a iʻole ka 100 paha) oiai e noho'ekeʻele ana no ka uku o ka uku āpau, nā mea i loko o kā lākou mau makahiki mua o ka lawelaweʻana.
Nā Kūmoleʻokoʻa: Koho Lunamaka'āinana (keʻano hoʻololi o Allstate, no ka hiʻoʻana)