First post but long time lurker (golf-clap). First of all, I owe a lot to the community here at RR. BondGuy & B24 especially - you guys are such a wealth of information.

But I'm in a situation and need some feedback here.

Here it is:

Back in late 2011 I accepted a job at an "RIA." Hint: The worst "RIA" b/d on the planet, but according to a 2007 Barron's article... we have the best mutual funds! (Not kidding. 2007.) I have since learned my firm does NOT pay on corporate bonds, individual stocks, and municipal bonds. So although I have basically memorized the "500 day war," the grid means I can't successfully implement it here.

Long story short, it has become clear I made a big mistake with this firm and want out ASAP. Morgan Stanley is posting ads every week and I'm considering applying again. I was originally turned down, but now I have my Series 7/66/L&H. Will this improve my chances in getting hired?

I look terribly young for my age (24) and it's crippling my confidence and overall faith in building a book of business. I realized only AFTER joining that the RIA-model was so much different than the wirehouse-model. My firm can't even open accounts over the phone, there literally has to be a face-to-face... which is when I get screwed.

I have absorbed so much of the business and truly want to make it a career. I've read "The Million Dollar Financial Advisor" and other books on financial advising, asset allocation, and overall motivation & well-being. I have a background in Finance/Economics and can work 90 hours per week no problem, it's like clockwork. It feels like what's holding me back though is my age and my firm.

I would greatly appreciate any insight from the experienced advisors, as well input from the young-guns currently living it.

-Napoleon