Do most independent RIA's not offer 403b and life insurance?  Have a friend at EJ - him and I are thinking of partnering up (I am a CPA) and becoming independent.  He states that he gets about 9% of his total comissions from 403b and about 5% from life insurance.

We could go to a B/D like LPL who would probably offer these options, but then having to pay them a cut.

Or, we could go to a firm like TradePMR - and dump the 403b business and life insurance?

I am wondering how people that have converted from EJ to independent have tackled this.  And if they did, what resources they used.