Update in simple words:

 Update in simple words:

- If there is a case who is 18-25 yo., there has to be a huge investigation done on that case such as personal income, financial situation, savings from parents, assets which belong to the client. If there is a valid financial situation - this case can be finalised. If this case has none of the mentioned, you can use the help of "Referral", you can close parents, friends, dogs, cats, who has way better fiscal statement, but they need to be pitched, not just confirmed by the customers - whole responsibilities of investments will come to them 

- Regarding Referrals, if you have a low income client, you can investigate if there are worthy connections from the customer side and close them, with the promises that we will reward your kindness for cooperating with us

- You have to charge customers ONLY who have money, don't charge a low income case - IT IS POINTLESS to have barely surviving guys, it is moreover against company's policies. You charge a good referral, write all of the details of this customer in the CRM section next to the real customer, and place an FTD lead which gives you a referral. Do not promise to low income cases that we will provide them investment projects, it will be one time appreciation bonus, but not lifetime Financial Advisory service. FA will be provided only to a valid Referral you have pitched. That's why you have to pitch Referral preferably to get a positive response.

The only exception, you know that low income customer has various referrals or possess one solid friend who might be a good asset for us, but it is impossible to reach them or close today in this case you can finalise customer with $0 or full amount, but if it is going to be a failed customer who lied about referral, this FTD will be dissaproved

- You can charge both clients ONLY in case if both of them possess a solid financial situation, so you can finalise 2 FTDs simultaneously, not SEPERATELY

- Low income case can be approved only if they have 900-1000 USD as a leftover income, excluding all expenses THOUGH OUT THE MONTH, funds which they have at  the moment and which can be spend are not counted as leftover income