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The new recruits come from from Merrill Lynch, Cetera and SagePoint Financial.

One of the recruits is an industry veteran with more than 30 years of experience.

Benefits are not capped at a predetermined level. They are based on two variables: a client’s highest earnings over 35 years and their age when they file for benefits.

The argument for this investment approach looked weak in the first half of 2016.

One of the new recruits was previously affiliated with Raymond James as an independent adviser for about a decade.

Nick Park is a benefits consultant at Corporate Synergies.

The independent firm's newest recruit is a nearly 30-year industry veteran.

Two are coming back to Mother Merrill, having worked there in the 1990s.

For some, an additional enterprise prompts an exit from the advisory business.

Joe DeSilva is senior vice president and general manager, retirement services, for ADP.