I have been with this agency since 1989. I have been an independent contractor with them since 1995. They are wonderful to work with and you truly are your own agency. You pay one monthly fee (which has never increased over the years that I have worked here) and any additional monthly expenses (mine run at around $40 average per month plus any debit memos). This is an agency that has been open since 1961. If you have experience, with a good client base, the sky's the limit with this agency.