Greatest Hits: Direct Affiliation vs. OSJ - Which Model Is Right for You?

In this episode of Advisor Talk, Frank LaRosa and Stacey Frank tackle one of the most common decisions independent advisors face: choosing between a direct affiliation with a firm or aligning with an OSJ / large enterprise model. Drawing from real advisor conversations and active transition work, Frank and Stacey break down how each affiliation structure actually works, where advisors often get tripped up, and why payout alone is rarely the right way to evaluate the decision. They explain how economics, compliance support, scale, culture, and time all factor into selecting the right platform - and why the “best” option depends entirely on what an advisor is trying to accomplish.