Lock, I think my point was that if your clients are not visiting your home, and otherwise aren’t really aware that you work out of your house, then why not?  I know plenty of successful people (not FA’s) working out of their houses (that don’t require FtF client contact).  Problem is, the majority of FA’s have local clients, so it’s an issue.  And most very successful FA’s have staff (OK, let’s call it “big producing” FA’s - I know, “successful” is a relative term), so again working out of a house is a problem.