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" ... The year 2020 has altered the work-life balance of our country, and there is no better example than the financial services industry. The industry estimates there are roughly 300,000 financial professionals spread across the United States. Practically overnight, many of them found themselves working from home. These nonindependent financial professionals with W-2 work arrangements are sometimes referred to as "wirehouse advisers," coming from firms such as Morgan Stanley, Merrill Lynch and UBS. ... "