If you're an expert in the field, your expertise may be needed for the business, but you may not need the product. For example, many of the big name financial

If you're an expert in the field, your expertise may be needed for the business, but you may not need the product. For example, many of the big name financial companies have a higher premium because of the service and knowledge of the financial experts (or at least perceived knowledge). There are many financial firms that offer less expensive options but have less customer service, etc... So I expect many Morgan Stanley and Fidelity financial analysts to have a portfolio from a different company.