Observations & Questions from a Hawaii Captive Moving to Maryland - Scratch/clusters/newbies?

First off I am a newbie so please bear with me. I have product knowledge from a captive producer standpoint but IA is foreign.

I am currently learning the trade through a successful Big Box agent in Hawaii. I make a good salary with, all things considered, good commissions. 1.5 years experience.

The end goal is to have financial freedom through an independent agency focusing on PNC. I am originally not from Hawaii and will be moving back to Maryland to plant my roots.

So....with that in mind please allow me to pick your brains :err:

[B]My latest question that has come to mind is
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