Thread regarding Edward Jones layoffs

Let’s Talk About Risk, Bonuses, and the New Limited Partnership Offer

I want to start this conversation because something isn’t adding up in the way our company talks about risk and reward.

We’ve all heard the narrative:
“Partners take on the financial risk, while employees share in the success.”

But when you look at how our compensation and margins actually work, the picture appears to be very different.

How the Current Model Really Works
Here’s what the numbers show:
• 11-12% profit margin is built into the financial model for LP and GP payments every year. Approximately 72% of that margin goes to the GPs. See page 30 and 50 of the publicly available 10-K.

•   After covering that 12%, whatever’s left goes to the employee variable compensation pool (bonuses,and profit sharing). We have all heard during bonus time that employee bonus can not be make the profit margin fall below a certain percentage depending on the bonus level.

In formula term
Revenue - Expenses - Bonus Pool = 0.12 Profit Margin
So the bonus pool is 0.88(Revenue - Expenses)

That means when expenses increase, bonuses automatically go down, because the partners’ 12% margin stays fixed.

Let’s put that into perspective:
Scenario Revenue Expenses Partners (12%) Employee Bonus
Normal year $10M $7M $1.2M $1.8M
Expenses increase $10M $7.5M $1.2M $1.3M

Even though revenue doesn’t change, employee bonuses fall by $500K while partners’ returns stay identical.

So the idea that partners are “bearing the risk” of expense increases doesn’t appear to be accurate mathematically. Employees appear to be bearing the brunt of increased expenses with lower bonuses. Unless my math is wrong, which maybe it is, but there have been lots of discussions about decreased bonuses with record profits over the years.

Now About the New Limited Partnership Offer
At first glance, it sounds like a great opportunity.

But here’s what’s changed under the surface:
Before: Limited partnership returns were guaranteed.
Now: There’s no guaranteed return, just “potential for higher earnings.”

That means the company is shifting more financial risk from the partners to employees. If GP payouts are guaranteed first, then the LPs again are taking on the risk of increased spending by the GPs.

What We Should Be Asking
Before signing or investing, ask these questions in writing:

1.  Priority of payments:
        Who gets paid first — partners or limited partners — and in what order?
2.  12% margin protection:
        Are we maintaining 12% margin protection and do GPs still get 72% of that margin? What percent will go to LPS?
3.  Profit calculation transparency:
        How exactly is “profit” defined for distribution purposes? Are partner salaries, perks, or expenses deducted first?
4.  Historical context:
        What would limited partner returns have been under this new structure for the past five years?
5.  Liquidity and exit:
        If an employee leaves or wants to sell their stake, how is the value determined? Is there a buyback obligation, and at what price?
6.  Governance:
        Do limited partners have any say in how profits are allocated or reported?

The offer sounds good but without a guaranteed return, you’re taking on real investment risk. At the same time, if the partner allocation remains fixed, then the risk is being shifted more to LPs.

This doesn’t mean we shouldn’t participate, there are still many unknowns about the new offering. It does mean you should go in with eyes wide open. Transparency and informed consent are what fairness look like. If the company truly wants shared success, the financial model should reflect shared risk not just shared language. I hope I am wrong and this is a good thing because given what we have all been through this year we need a silver lining. The culture has shifted drastically and a lot of trust has been lost. Let’s make sure we are asking the right questions to ensure GPs aren’t raking in cash and spending like drunken sailor, while we get the crumbs.


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| 1941 views | | 13 replies (last November 8) | Reply
Post ID: @OP+1k9cjgzy8

13 replies (most recent on top)

@gc again…the original post, nor the commentary below gave anyone advice outside of asking questions.

As a likely member of ELT your job adds no value and instead to be a walking talking puppet. Consultants think for you, AI/ PR firms write your presentations and speeches and congratulations… AI has officially made you so d-mb that you can no longer read.

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Post ID: @kr+1k9cjgzy8

There are no foolish questions, only foolish advice, if it is offered from those who do not know what they are talking about.

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Post ID: @gc+1k9cjgzy8

@ck We can think for ourselves. Since the firm is asking us for money it is our decision, not yours.

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Post ID: @ex+1k9cjgzy8

@ck how does asking thoughtful questions make someone look like a fool? It shows engagement and desire for a deeper understanding. If you do not question the narrative you may end up accepting terms you don’t fully understand and then being surprised.

I’m assuming this is quote from some member of ELT who is butt hurt that you have lost all trust. Sorry you can’t just regurgitate your AI slop talking points to get people to stop asking questions.

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Post ID: @eh+1k9cjgzy8

They want to shift away towards variable compensation from fixed. I wouldn’t trade in those fixed returns as once you lose them you won’t see it again.

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Post ID: @dm+1k9cjgzy8

It is apparent that many contributors to this site have little understanding of how the partnership works financially but are eager to throw out their advice to others. I hope nobody considers using any of it for their own LP decisions.
For some who are distrustful, the good news is you do not have to participate. For others who will have legitimate questions of the old and new version of LP, continue to follow information that is shared in the future and seek out counsel from a knowledgeable and trusted colleague or advisor.
For some contributors: "Better to remain silent and thought a fool than to speak and remove all doubt"

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Post ID: @ck+1k9cjgzy8

The risks just feel too high without that guaranteed 7.5% return. If the market dips, at least you’ve got that 7.5% coming in to help with the loan. With this new deal, it’s like you’re just borrowing money from the firm to invest in securities, which doesn't sit right.

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Post ID: @b1+1k9cjgzy8

I just wish I had been offered an LP at all, 7 years tenure and ISP'd. The "more frequent" offerings don't mean anything to me now.

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Post ID: @b0+1k9cjgzy8

This is very management friendly. Taking away the guaranteed payment shifts the risk to LP's not just GP's. Also, it allows the MP and ELT to have votes to go public, not just needing GP votes. Many long tenured GP's were forced into "retirement". These long term GP's would have been more likely to vote against going public. Penny and Chubak are taking this company public, people! There is your warning. Plan accordingly for you and your family.

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Post ID: @aj+1k9cjgzy8

Starting in 2027, all new limited partnership (LP) shares will be issued as subordinated limited partnership (SLP) shares, which typically yield 4% more, but without the guaranteed 7.5% return, these new B shares will actually offer a -3.5% return compared to the existing LP A shares, all from the same person who just laid off a bunch of our colleagues, making it feel like a classic case of them trying to fool us.

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Post ID: @af+1k9cjgzy8

They should have a video replay as it showed “recording” during the webinar. Hopefully that will help those that missed the meeting.

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Post ID: @ab+1k9cjgzy8

I couldn't attend the meeting. So LP no longer gets the guaranteed 7%? If so, does that apply to new LP, or are they changing the whole thing where LP I bought and paid for 10 years is now subject to no guarantee?

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Post ID: @a4+1k9cjgzy8

You are right in the first part, gp's will always get their full piece of the pie, employees will get whatever is left that's why bonuses are so low, they split it three ways to make it seem like more. My son works for Walmart and gets a better bonus than me. We are second class citizens here, some are third class.....

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Post ID: @a2+1k9cjgzy8

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