— Canada's Independent FX Partner Model
The Model
Vs. the Canadian Broker Model
Adjust your book size below and see exactly what legacy commission structures cost you every year.
"Nope. I'm all good. [My team has] 35% commission, benefits, vacation, amazing support and a real team spirit. Oh, not to mention zero business risk as well as the backing of a company with over 32 years' experience in the Canadian market. Not to mention they all have a great boss, who never micro manages and treats them to plenty of nights out and good times."
"Rick," Canadian FX Manager · Self-Described Autonomy Enthusiast
Legacy: Higher Commission, No Base
%
$
$
Legacy: Base + Commission
%
$
$
$
Mark Lane Partner
%
Jan 2026 avg: 56.74%
Commute Assumptions
days
hrs
Changes update all calculations instantly
✦ BEST LEGACY
Legacy: Higher Commission, No Base
35% Commission
Higher payout, but no safety net. Every dollar earned is commission only.
Commission (35%)
$175,000
Base Salary
$0
Benefits
$5,000
Nights out with Rick
$2,500
All-In Total
$182,500
✦ BEST LEGACY
Legacy: Base + Commission
20% + $70K Base
Predictable floor, lower upside. The crossover point is closer than most realize.
Commission (20%)
$100,000
Base Salary
$70,000
Benefits
$5,000
Nights out with Rick
$2,500
All-In Total
$177,500
✦ BEST CHOICE
✦ Partner
50–60% Commission
Own your book. No ceiling. No "Rick."
Commission (56.74% avg)
$283,700
Jan 2026 avg payout rate
56.74% — verified Jan 2026
Book Ownership
Yours. Forever.
Nights out with Rick
Not included 🎉
All-In Total
$283,700
Annual Advantage at a $500,000 book, vs. Legacy: Higher Commission, No Base |
+$72,500
Per year, every year, compounding as your book grows.
5-Year Cumulative
$362,500
ahead of legacy best
"Rick's" Selling Points, Translated
A Fair & Balanced Assessment™
Benefits
"Benefits"
Real and appreciated. Worth approximately $5,000/year in health coverage.
Note: the $75,000 annual gap between "Rick's" best offer and also buys quite a lot of benefits on the open market.
~$5,000/yr
Vacation
"Vacation"
Already embedded in your salary. Not a bonus on top of it. If you're paid for 52 weeks
and work 49, the value is baked into your 35%. This is not an additional benefit.
This is called being an employee.
Plenty of Nights Out
"Treats them to plenty of nights out and good times"
Generous! Worth approximately $2,500/year in dinners and drinks.
The annual gap between "Rick's" best offer and is $75,000.
That's 30 very nice nights out, at your discretion, with people you actually choose.
~$2,500/yr
Zero Business Risk
"Zero business risk"
Also zero upside. Zero ownership. Zero equity. When you leave, your book stays.
When the company sells, you get… a reference letter.
At , your book is a transferable asset you own and can sell.
32 Years of Experience
"The backing of a company with over 32 years' experience"
Legitimate credibility. Until the company sells. When it does, that 32-year legacy belongs to whoever bought it.
Your 32 years of personal production history? That's territory.
Amazing Support & Team Spirit
"Amazing support and a real team spirit"
provides licensing, compliance, technology, operations, and back-office support.
The difference: support works for you, not the other way around.
And team spirit tends to flourish when everyone's actually earning what they're worth.
About That "Never Micromanages" Thing…
A bold claim. At , "never micromanages" isn't a selling point. It's structurally impossible. You're an independent partner. There is no "Rick."
There is no org chart with your name three levels down. No approval chains
for client emails. No one cc'd on your conversations.
There is only you, your book, your clients, and your commission. The only person checking your work is the one who signs your paycheque. That person is you.
There is only you, your book, your clients, and your commission. The only person checking your work is the one who signs your paycheque. That person is you.
0
Managers above you
at
at
0
Approval chains
for your clients
for your clients
∞
Autonomy to build
your business
your business
$75K
What your autonomy
is worth annually
is worth annually
The Hidden Cost: Office Commute
$26,100
312 hrs/yr of unpaid travel time
A professional required to commute to a Toronto office 3 days a week, with a 1-hour drive each way, spends 6 hours every week in transit. That is 312 hours per year. At an implied hourly rate of $88/hr (your total legacy income divided by 2,080 working hours), that commute time is worth $26,100/yr in lost productive time. Partners work from wherever they choose. That 312 hours stays in their pocket.
True Legacy Total
$156,400
After commute cost deducted
📐
The 20% vs. 35% Crossover: The base salary option (20% + $70K) actually
beats straight 35% commission until your book reaches
$466,667. Below that threshold, the base salary wins.
Most professionals have never run this calculation.
Ready to Talk?
Let's run the numbers on your book
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Your information is kept strictly confidential and will only be used to contact you about the Mark Lane Partner model.
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