Lori Embrey enjoyed being the boss - but she hated being a business owner. "I ran my own financial planning and investment management practice for just over four years," says Embrey, now an associate vice president with Hamilton Capital Management in Columbus, Ohio. "Running an independent firm is tough. You can't just hang out a shingle and start serving clients."

Keith Somers also had his own planning firm - and many of the same concerns. "I got tired of the headaches of running a business," says Somers, who recently became an advisor with Ameri-prise Financial in Stratford, Conn. "The biggest headache was the overhead, such as renting office space. Then there were the benefits for the staff, such as providing health insurance and matching the 401(k) plan."

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