Ratty's team delivers a "full balance sheet approach" to clients by utilizing the full gamut of resources at Wells Fargo. His goal is to meet clients' needs through comprehensive relationship development and planning- based assessment. Whether Ratty is speaking publicly or involved in a client meeting, his knowledge and ability to convey a message is crucial.

Bank/TPM: Wells Fargo Advisors

Location: Fort Lauderdale, Fla.

No. of reps managed: 30

Avg. production per rep: $500,000

Total production 2011 (projected): $20m

Total production 2010: $15m

AUM 2011: $2.5B

AUM 2010: $2.0B

Years at the bank: 2

Years in the industry: 15

Age of program: 15

Total number of branches: 161

Product mix: Managed accounts 30%; mutual funds 21%; fixed income 15%; VAs 10%; equities 10%; life insurance 6%; fixed annuities 5%; Long-term-care insurance 3%

Do you decide what products are on the shelf? No