The coming years won't be easy for bank advisors. They are facing some tough challenges.

There is a silver lining, however, because of the combination of increased demand for investment advice and the trust that the local bank still enjoys (more on that later). But even the bank programs that set out on the right track will feel speed bumps along the way. Others just won't make it. No matter how you slice it, a lot of bank brokers are in for a tough slog.

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