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Can’t speak directly to Finet (although, why would you join Wells Fargo now-days?!?!) but in general it depends on the whole picture. Are you paying rent? Are you gaining access to staff? Having to pay for the staff? If you are just showing up to work, and they are providing everything, probably 45%, give or take 1000 bps. If you are paying for everything you access, then probably closer to 70% assuming they are handling compliance, etc. There are way too many variables to say for sure without knowing all the details.
What does fair have to do it. Get as much as you can negotiate!!!! 101%!
I have the option of paying rent and buying my own computers and being independent within the office or the ability to plug and play and then they provide everything.
Nothing is free. I can't speak for Finet directly but you are usually better off bringing your own tools to the job site. Otherwise you're an employee.
You have to evaluate the services being offered, vs. what they take. Easier said than done at times and I’ve been on both sides of the fence. Don’t take less than 70%....depending on your production levels.