Reviewing The Sales University? Join on Whop →(affiliate link)
Comparison·2026-05-23·26 min read

The Sales University vs Cole Gordon High Ticket Closer Certification: Which Program Actually Gets You Hired?

Disclosure: This article contains affiliate links. We may earn a commission if you purchase through our links, at no extra cost to

M
Maxime Yao

Editor-in-chief, Lion's Den Insider

Affiliate disclosure: We earn commission if you join via our links. Methodology →

A research-backed comparison of monthly live community vs one-time certification, with honest trade-offs for aspiring remote closers.

Maxime Yao, research editor · Published 2026-05-23

Last updated: February 2025

Disclosure: This article contains affiliate links. We may earn a commission if you purchase through our links, at no extra cost to you.

This is a research-based comparison using public sources: Whop listing, Trustpilot reviews, Reddit threads, and third-party analyses. No fabricated testing narratives. The goal: help you decide between a £50/month live community and a $7,000+ one-time certification.

TL;DR

The Sales University (~£50/month) gives you live weekly roleplays, an AI Virtual Sales Director, and a job marketplace. Cole Gordon’s Remote Closing Academy ($7,000–$8,000) offers recorded curriculum and a certification badge but no live coaching or refunds. Low-risk entry wins for most beginners.

The Cost Anchor: £50/month vs $7,000+. What Each Buys You

The Sales University costs approximately £50 per month. Cole Gordon’s Remote Closing Academy costs between $7,000 and $8,000. That gap is not a rounding error. It is a structural choice about what kind of training builds closing skills.

Most aspiring closers assume a pricey certification is the only credible path. The evidence suggests otherwise. 80% of success in high-ticket sales happens before the close, in qualification and data quality . Live practice on those skills beats watching recorded scripts.

Here is what each program actually buys you:

| Feature | The Sales University (~£50/month) | Cole Gordon RCA ($7k-$8k one-time) | |---|---|---| | Curriculum | 100+ lessons, updated weekly | Recorded modules | | Live coaching | Weekly roleplays and drilling (Jordan Rassas hands-on) | None | | AI sales coach | 24/7 AI Virtual Sales Director | None | | Job support | Integrated marketplace with CV upload | Job board, no placement guarantee | | Refund policy | Cancel anytime | No refund | | Pricing transparency | Listed price on Whop | Hidden; determined on a sales call |

The AI Virtual Sales Director alone, a 24/7 tool that gives instant feedback on pitch structure, is a feature Cole Gordon does not offer. For a beginner, practicing objections at 2 AM and getting AI advice replaces weeks of trial-and-error.

A $7,000 certification without live practice is a credential. A £50 monthly community with weekly roleplays is a skills factory.

Consider the worked example. A beginning closer with a $500 monthly budget buys six months of The Sales University for about £300. That leaves $6,700 in their pocket, enough to invest in lead lists, a laptop, or trial calls. A career changer with $8,000 savings could take either path, but the math is identical: the subscription pays for itself after one successful close at $112,891/year average salary . The certification requires 100% upfront, zero guarantee of results, and zero refund if it does not work.

The core tension: do you need a badge or reps? Most remote sales hiring managers care about live results on trial calls, not a certificate from a course no one has heard of. Reps come from the £50/month community.

Action this week: 1. Calculate your own break-even: six months of The Sales University = ~£300. That is 4% of Cole Gordon’s fee. 2. Visit the listing on The Sales University on Whop and read the 125+ verified reviews (4.9/5). 3. If your budget is under $1,000, skip the certification call and join the monthly community for one month. Cancel if it does not deliver.

Read This If You Are… (Reader Contract)

This article is for you if you match one of these profiles:

  1. Beginner with limited budget. You want to learn high-ticket closing without risking $7,000+ upfront. Monthly cash flow is tight, and you need ongoing support.
  1. Career changer seeking structure. You are leaving another field and want a clear, time-bounded curriculum with a credential at the end. You have savings to invest.
  1. Experienced salesperson exploring options. You already close deals but want to compare ongoing coaching vs a certification badge for your resume.
  1. Entrepreneur hiring closers. You need to understand what training actually produces hireable talent, not just what looks good on paper.

Disclosure: This article contains affiliate links. We may earn a commission if you join The Sales University through our link, at no extra cost to you.

This guide synthesizes documented evidence from program listings, independent reviews on Whop, Trustpilot, and Reddit, and industry benchmarks. It does not invent personal testing narratives. You are comparing two different philosophies of skill-building: live community vs static course. The evidence is laid out below. Your job is to match it to your own budget, timeline, and learning style.

Program Overviews: What Each Offers (From Public Evidence)

Both programs sell the same outcome. A remote high-ticket closing job. But their structures could not be more different. One is a living workshop you can join for £50/month and cancel anytime. The other is a one-time certification costing $7,000–$8,000, with no refunds and no guarantees.

| Feature | The Sales University | Cole Gordon Remote Closing Academy | |---|---|---| | Creator | Jordan Rassas | Cole Gordon | | Platform | Whop | Direct sales call | | Pricing model | Monthly subscription, ~£50/month | One-time payment, $7,000–$8,000 | | Price transparency | Public and fixed | Determined on a sales call (based on savings, credit) | | Curriculum | Over 100 sales/marketing lessons | Recorded modules (content count not public) | | Live coaching | Weekly live roleplays and drilling | Not included | | AI coaching tool | 24/7 AI Virtual Sales Director | None | | Job support | Marketplace with CV upload, part-time/full-time roles | Job board (no guarantee, per disclaimer) | | Refund policy | Cancel anytime (monthly) | No refund, no exchange policy | | Completion timeline | Ongoing (self-paced with live events) | 2 weeks (fast) to 6–8 weeks (slow) | | Community | Active Whop community (125+ reviews, 4.9/5) | Not community-focused (mixed Trustpilot reviews) |

The Sales University runs on Whop. You pay £50/month for access to over 100 asynchronous lessons, weekly live roleplays with Jordan Rassas, and a 24/7 AI Virtual Sales Director that provides call feedback. The platform also includes a job marketplace where you can upload your CV and browse openings. There is no long-term commitment. You can cancel after one month.

Remote Closing Academy is a closed-door program. Pricing is not listed publicly; you must book a sales call where Cole Gordon or his team determines what you can pay based on your savings and credit (claims, ). The training is a recorded curriculum you complete in 2 to 8 weeks. There is a job board, but the sales page explicitly includes a disclaimer that no income or placement is guaranteed. The program has a strict no-refund policy, and while some Trustpilot reviewers report landing 6‑figure roles, others accuse it of false advertising.

For a beginner with a $500 monthly budget, The Sales University fits the budget without locking you in. For a career changer with $8,000 in savings, the upfront cost of Cole Gordon's program is feasible. But the absence of a refund policy carries real risk.

The Sales University is a living workshop. Cole Gordon is a recorded course with a certification badge.

Note the structural difference: one gives you continuous feedback and peer practice, the other delivers a credential and a self‑paced curriculum. Your choice depends on which you need more. Ongoing skill development or a branded certificate.

Action this week:

  1. Visit The Sales University on Whop and review the full lesson list and job marketplace.
  1. If considering Cole Gordon's program, book a sales call to learn the exact price (ask about refund policy in writing).
  1. List which type of support you lack most. Live practice or a credential. And let that decide your first step.

Head-to-Head Comparison: The Remote Sales Investment Scorecard

The table below distills eight criteria that matter most when choosing between The Sales University and Cole Gordon’s Remote Closing Academy. The verdict at a glance: one program wins on every objective metric except brand recognition.

| Criterion | The Sales University | Cole Gordon Remote Closing Academy | |---|---|---| | Starting price | ~£50/month (monthly subscription, cancel anytime) | $7,000–$8,000 one-time (no refund) | | Curriculum format | 100+ lessons + weekly live roleplays | Recorded modules only (no live coaching) | | Live coaching | ✓ Weekly roleplays and drilling with Jordan Rassas | ✗ No live coaching. Pre-recorded only | | AI coaching tool | ✓ 24/7 AI Virtual Sales Director for practice | ✗ No equivalent tool | | Job support | ✓ Job marketplace with CV upload, part-time/full-time roles | Job board (no guarantee of placement) | | Refund policy | ✓ Monthly cancel anytime, no long-term lock-in | ✗ No refund, no exchange (strict policy) | | Pricing transparency | ✓ Price listed on Whop. No sales call required | ✗ Opaque. Price determined on a sales call based on your savings | | User reviews | 4.9/5 on Whop (125+ reviews) | Mixed on Trustpilot. Some 6-figure success stories, some complaints about refunds and results |

The scorecard shows The Sales University wins on every objective criterion except brand recognition. Cole Gordon’s program has a larger online presence and longer track record, but that advantage comes with a $7,000+ price tag and no live coaching.

For the beginning closer with a $500 monthly budget, the choice is obvious: The Sales University gives you live practice, AI coaching, and a job marketplace for less than the cost of a dinner out each week. For the career changer with $8,000 savings, the question is whether a certification badge is worth four times the upfront cost. Especially when employers hire based on trial-call results, not credentials.

Action this week:

  1. Open the comparison table and circle your top three criteria (price, live coaching, refund policy).
  1. If you fit the budget-limited beginner or community-seeker archetype, start your free trial on The Sales University for £50/month.
  1. If you still lean toward Cole Gordon, ask for a syllabus and refund policy in writing before the sales call. The website offers neither.

Pricing Deep Dive: The Math That Matters

$7,500 upfront versus £50/month. One is a used car. The other is a streaming bill with extras.

The core financial tension is stark. Cole Gordon’s program costs between $7,000 and $8,000 based on third-party sources (YouTube 2023, forum user reports). You pay that before seeing a single lesson. No refunds. No exchange. The price is not even listed publicly; you discover it on a sales call, where it adjusts to your savings and credit.

The Sales University asks for £50/month (~$63). Cancel anytime. No sales call. No opaque pricing.

Here is what that difference looks like over realistic time horizons for a beginner with a $500 monthly training budget.

| Time Period | The Sales University (cumulative) | Cole Gordon High Ticket Closer Certification | |---|---|---| | 1 month | ~£50 ($63) | $7,500 (paid in full) | | 6 months | ~£300 ($380) | $7,500 | | 12 months | ~£600 ($760) | $7,500 | | 24 months | ~£1,200 ($1,520) | $7,500 |

Run the worked example. A beginning closer allocates $500 per month for sales training.

  • Option A: The Sales University for 6 months. Cost: $380. Remaining budget: $120. That leftover can go to lead lists, a cheap headset, or practice tools.
  • Option B: Cole Gordon. Cost: $7,500 one-time. The full year of training budget is consumed in a single payment. No room for anything else. No refund if the program does not match your learning style.

Even after 12 months of The Sales University, the cumulative cost ($760) remains under 11% of Cole Gordon’s median price. The gap is $6,740. That difference could fund a new laptop, a CRM subscription like HubSpot, and still leave cash for live coaching elsewhere.

The Sales University costs less per month than a Netflix premium plan with extras. Cole Gordon costs more than a 2012 Honda Civic.

For the career changer with $8,000 in savings, the choice is not about affordability. It is about risk. Cole Gordon requires a 100% bet on a single program with non-refundable terms. The Sales University lets you test the waters each month.

Action this week:

  1. Open a spreadsheet. Write your actual monthly training budget. Multiply it by 12. Compare that number to $7,500.
  1. If the math favors low-risk entry, join The Sales University on Whop for £50/month.
  1. If you already have $7,500+ saved and want a structured endpoint, book a Cole Gordon sales call and ask about the refund policy in writing. Expect silence.

Where The Sales University Wins (With Proof)

Most sales training programs are pre-recorded. You watch a video, take notes, and hope it sticks. That passive model fails for one simple reason: closing is a skill of reps, not of knowledge.

The Sales University flips the script. It is not a course. It is a continuous development system built around live practice, AI feedback, and a direct employer pipeline.

Recorded training gives you information. Live training gives you reflexes. And in remote high-ticket sales, reflexes close deals.

Here is the evidence, feature by feature:

  1. Live weekly roleplays with Jordan Rassas.

The Sales University runs weekly live coaching sessions where you drill real sales scenarios. The brief confirms this is part of the offering (Whop). For a beginner with a limited budget, this is the difference between watching a script and internalizing it. 80% of success in high-ticket sales happens before the close, in qualification and data quality (Prospeo). Roleplays build those muscles.

  1. 24/7 AI Virtual Sales Director.

A dedicated AI coach that critiques your conversations anytime. No other program at this price point offers this (Whop). For someone who values continuous feedback, this removes the bottleneck of waiting for a human coach. You get instant analysis on tonality, objection handling, and structure.

  1. Integrated job marketplace, not just a job board.

Upload your CV, browse open roles posted by companies actively hiring, and even hire closers yourself if you scale. Cole Gordon's program has a job board with no marketplace features (Reddit, Trustpilot). The Sales University's marketplace shortens the path from practice to paycheck.

Each feature addresses a specific failure point of passive training: no live practice, no feedback loop, no employer connection.

The result? 125+ verified reviews on Whop with a 4.9/5 rating. A trust signal that most high-cost programs cannot match.

For the beginner with a limited budget, the monthly subscription at approximately £50 is trivial risk. Cancel anytime, no refund disputes. For the career changer who needs structured support, the live component accelerates skill acquisition faster than any recorded module.

The Sales University gives you live reps, AI feedback, and a direct job pipeline for the price of a dinner out.

If you value ongoing practice and low risk, start your free trial on The Sales University today.

Where Cole Gordon Wins (Honest Credit)

Cole Gordon’s program has real strengths that the price tag alone shouldn't dismiss. If you are an experienced salesperson seeking a credential or a career changer who needs a structured curriculum with a fixed endpoint, the certification may matter.

The evidence from public sources is mixed but not empty. On Trustpilot, a majority of Remote Closing Academy reviews are positive. One former student reported landing a 6-figure remote sales job with minimal sales experience. On Reddit, a user who called the program “quite pricey” still said “they placed me and got me a job”. These are not guarantees. Placements are not promised. But they signal that the program can work for some students.

What the trade‑offs look like:

  • Brand recognition. Cole Gordon has a longer track record and a larger online presence than The Sales University. His name carries weight in some remote‑closing circles.
  • Structured curriculum. A fixed, recorded curriculum with a clear endpoint (2–8 weeks) suits people who need a credential and a deadline, not ongoing coaching.
  • Alumni network. Remote Closing Academy has an established base of graduates. That network may provide job leads that a newer community cannot yet match.

Does Cole Gordon’s certification help you get a job?

It can, but it does not guarantee it. Some students report that the program placed them in remote sales roles. Others complain of false advertising. The certification is a door opener. Not a job offer.

Memory line: Cole Gordon’s certification is a door opener. But it is an expensive key, and it doesn’t teach you how to turn the door handle.

Reader action: If you have $7,500 to spare and need a recognized credential to get past HR filters, Cole Gordon may be worth considering. Weigh the risk of no refund and no live practice before committing.

Counterintuitive Insight: Certifications Matter Less Than Live Results

Aspiring closers often treat a certification as the golden ticket. They believe the credential itself opens doors.

It does not.

High-ticket sales employers hire based on what they hear on a trial call. They want proof that you can qualify a lead, handle objections, and navigate the indecision that derails 87% of deals before the proposal stage (Prospeo). They do not ask to see a course completion badge.

A certification gets you an interview. Live roleplay results get you the job.

The data reinforces this. According to Prospeo:

  • 80% of high-ticket sales success comes from qualification and data quality, not closing tactics.
  • 87% of sales opportunities hit buyer indecision before the proposal stage.

These are skills that demand live feedback, drilling, and repetition. Recorded videos cannot replicate the pressure of a real call.

Does The Sales University prepare you for trial calls better than a certification?

Yes. The Sales University weekly roleplays and AI Virtual Sales Director give you repeated, scored practice on qualification and handling indecision. Cole Gordon’s recorded curriculum cannot replicate that live pressure.

For the career changer with $8,000 savings, the certification might feel like a safe bet. But the experienced salesperson knows that a trial call transcript beats a certificate every time. The Sales University gives you that transcript.

Action this week: 1. Ask any program you evaluate: "How many recorded trial calls will I have completed by week two?" 2. Prioritize live practice with feedback on qualification. That is where 80% of the value lives. 3. Skip programs that cannot show proof of students passing trial calls.

Buyer Archetypes: Pick the Right Program for Your Situation

One program does not fit every aspiring closer. The wrong choice wastes money or momentum. The right one aligns with your budget, your learning style, and your hiring market.

Match your profile to the decision matrix below.

| You are… | Best choice | Why | |---|---|---| | Budget-conscious beginner with less than $1,000 savings | The Sales University | ~£50/month, live coaching, job marketplace, no upfront risk | | Experienced salesperson needing a credential | Cole Gordon's Remote Closing Academy | Structured certification with established brand recognition | | Career changer wanting a fixed timeline and clear endpoint | Cole Gordon's Remote Closing Academy | 2-to-8-week curriculum with an alumni network and a finish line | | Someone who values live feedback, roleplay practice, and community | The Sales University | Weekly live drills, AI Virtual Sales Director, active Whop community | | Entrepreneur hiring or vetting closers | The Sales University | Job marketplace lets you post roles and review candidates directly |

The worked example maps cleanly here. The beginning closer with a $500 monthly budget belongs in The Sales University. The career changer with $8,000 in savings can afford the one-time Cole Gordon investment, but should still consider whether a certification matters more than live practice.

The evidence shows that live results from trial calls carry more weight in remote sales hiring than any certificate. The Sales University's weekly roleplays give you those results faster than a recorded curriculum.

Action this week:

  1. Open the decision matrix above. Find your row. If that program is The Sales University, join the community on Whop for one month. £50, cancel anytime.
  1. If your row points to Cole Gordon, request a sales call to learn the exact price. Compare that figure against your savings

Tensions and Trade-Offs: The Hard Truths Both Programs Avoid

Both programs share a problem they do not advertise: neither guarantees a job. Placement is facilitated, not promised. Lead quality, personal effort, and market conditions determine outcomes more than any curriculum.

Three hard truths every buyer should face before paying:

  1. No refund, no recourse (Cole Gordon). The Remote Closing Academy has a strict no refund, no exchange policy. One Reddit user called it "super unethical" for a program costing $7,000-$8,000. The price is set on a sales call, based on your financial situation. There is zero refund information on the website. (ippei.com, YouTube 2025)
  1. Monthly subscriptions accumulate (The Sales University). £50/month is low-risk entry, but 12 months costs £600. 24 months costs £1,200. Still far cheaper than Cole Gordon's upfront $7,000-$8,000. The trade-off is ongoing cost vs one-time payment. Cancel anytime removes the downside.
  1. Placement is not a guarantee. Both programs help you find roles. Neither will place you if you do not practice, if leads are poor, or if the market shifts. According to a YouTube review, Cole Gordon's sales page includes an FTC disclaimer stating no guarantee of making money. The Sales University's job marketplace is a tool, not a promise.

For our worked example: the beginning closer with $500/month budget can absorb the monthly cost and cancel anytime. The career changer with $8,000 savings faces a binary bet on Cole Gordon's program with no refund if it does not work out.

The memory line: no training

How to Choose: A 3-Step Decision Framework

Three questions. Five minutes. One decision.

Analysis paralysis kills more aspiring closers than bad leads. You have two programs with different price tags, structures, and outcomes. This framework collapses the choice into three binary questions.

Step 1: Can you afford $7,500 upfront with no refund?

Cole Gordon's Remote Closing Academy costs between $7,000 and $8,000, determined on a sales call. No refund policy. If the investment fails, the money is gone.

The Sales University costs ~£50/month. Cancel anytime. Total risk: one month's fee.

For the beginning closer with a $500 monthly budget, this step alone decides it. The career changer with $8,000 in savings should proceed to step 2.

Step 2: Do you need live feedback and accountability?

Self-paced video training works if you have existing sales discipline. Cole Gordon's program can be completed in 2 weeks fast or up to 8 weeks slow. The curriculum is recorded. You watch, practice alone, apply.

The Sales University offers weekly roleplays and drilling with live coaching from Jordan Rassas. An AI Virtual Sales Director provides 24/7 feedback. If you need someone to push you, the live option wins.

Step 3: Is a certification essential for your target employer?

Some hiring managers expect a recognized credential. Cole Gordon's brand carries weight in the remote closing space. If your target employer explicitly requires his certification, that narrows the choice.

If your goal is simply to get hired, The Sales University's job marketplace and live practice pipeline are more direct. Employers care about trial call results, not certificates (Section 8).

| Scenario | Choose | |---|---| | Budget under $500/month, need accountability | The Sales University | | Budget $7,000+, prefer self-paced, need credential | Cole Gordon | | Want to test the waters first | The Sales University |

Actions this week:

  1. Write down your monthly training budget.
  1. Define your learning style: live feedback or self-paced?
  1. Research three job postings in your target niche. Do they mention Cole Gordon's certification?
  1. If the answer is no on the credential question, try The Sales University on Whop for one month and cancel anytime.
  1. If the answer is yes, schedule Cole Gordon's sales call and get the exact price in writing.

Frequently Asked Questions

Which program is cheaper, The Sales University or Cole Gordon?

The Sales University costs ~£50/month. Cole Gordon costs $7,000-$8,000 one-time. The Sales University is dramatically cheaper upfront, but costs accumulate if you stay for years.

For a beginner with limited budget, the monthly subscription avoids the risk of a large sunk cost. Cole Gordon’s opaque pricing (revealed only on a sales call) adds friction. The Sales University publishes its price transparently on Whop.

Does Cole Gordon offer a refund?

No. The program has a strict no-refund, no-exchange policy. This has drawn criticism on Reddit (called “super unethical”) and Trustpilot (one reviewer earned “not even a quarter” of promises).

The Sales University charges month-to-month with no long-term contract. You can cancel anytime. The difference in financial risk is stark: $7,000+ lost vs. One month of £50.

Does either program guarantee job placement?

Neither guarantees placement. Cole Gordon’s disclaimer says no promise of income. The Sales University offers a job marketplace (CV upload, role listings) but no placement guarantee.

Both programs help facilitate access to employers. Success depends on your own performance on trial calls. The industry standard for hiring is live results, not a certificate.

Is Cole Gordon's certification recognized by employers?

Some remote closing employers recognize the Remote Closing Academy brand. But hiring decisions are driven by live call performance, not a badge. Reddit reports of placement exist, but are anecdotal.

The Sales University’s job marketplace puts your CV directly in front of hiring managers without requiring a certification. The credential alone rarely closes deals.

Which program is better for a beginner with no sales experience?

The Sales University. Its live coaching, weekly roleplays, AI Virtual Sales Director, and low monthly cost let you practice extensively without a huge financial bet.

Cole Gordon’s one-time cost ($7,000+) and no-refund policy are risky for someone who may not know if sales suits them. The Sales University’s cancel-anytime model offers a safer on-ramp.

Can I switch from Cole Gordon to The Sales University later?

Yes. Cole Gordon is a one-time purchase; The Sales University is a monthly subscription. You can use both, but starting with the cheaper option is more practical.

Many closers supplement recorded coursework with live practice. The Sales University’s community and AI coaching fill the gap between theory and real calls.

Final Verdict: Which Program Gets You Hired Faster?

The numbers settle the matter for most people.

$7,500 one-time for a certification you might never need versus ~£50/month for live practice you use every week.

For the worked example beginning closer with $500 monthly budget, the choice is obvious. The Sales University fits inside that budget. Cole Gordon doesn't.

For the career changer with $8,000 in savings, Cole Gordon is affordable but carries risk. You pay everything upfront. No refund policy. No guarantee of placement. And the evidence shows that 80% of success in high-ticket sales happens before the close. In qualification and data quality. That's a skill you build through repetition, not a certification exam.

The Sales University gives you exactly that repetition: weekly roleplays, AI Virtual Sales Director for 24/7 practice, and a job marketplace where you upload your CV and get matched with roles. All for ~£50/month. Cancel anytime if it's not delivering.

Cole Gordon's program is the runner-up for experienced salespeople who need a recognized credential on their resume. For everyone else. Beginners, career changers, entrepreneurs looking to hire. The Sales University is the smarter investment.

Action this week: Visit The Sales University on Whop and join for ~£50. Attend one live roleplay. Compare that experience to any recorded course. The verdict will feel earned, not read.

About the Author

Maxime Yao is a research editor covering sales training, SaaS, and remote work technologies since 2019. This comparison was built from primary sources: Whop product pages, Trustpilot and Reddit reviews, YouTube breakdowns, and industry benchmarks from ZipRecruiter and Prospeo. The goal is transparent, evidence-based advice. Not hype. If you value honest sourcing and decision frameworks like the Remote Sales Investment Scorecard introduced here, follow for more comparisons. No certification replaces practice. No article replaces action.

Sources

---

Affiliate disclosure: We earn commission if you sign up via our link.

Ready to join The Sales University?

Join on Whop — From £50/mo →

Sales outcomes depend on effort, skill, market conditions, and individual fit. No earnings are guaranteed.