There exists a signficant "Expectation Gap" where consumers want their financial advisors to provide banking and insurance services. Is there a way an RIA can provide mortgage services and actually receive commissions? If the RIA doesn't wish to obtain a real estate brokers license, are there any other structures or ways to be compensated for making sure their clients are properly serviced? I see the big banks really taking advantage of the large drop off of mortgage brokers and using this opportunity to increase their wealth management services to offset their mounting losses.