Yellow Brick Road is getting out of the wealth business and will focus solely on the mortgage market. The company announced yesterday that it would start of process to "dispose of, outsource or otherwise restructure the head office wealth business functions."Its business structure will consist of mortgage distribution (the franchise network and Vow aggregator network), mortgage servicing through Resi, and mortgage funding and securitisation.In mortgage distribution the franchise network is writing A$170 million of business a month and has and "underlying" book worth A$7.6 billion. Vow's book is worth $39.8 billion.The Resi business has a $1.8 billion book.The securitisation business is still in development. YBR says it is in a joint venture with "a major US alternative asset manager". It will manufacture and fund mortgage products.It sees opportunities in creating loan products for SMEs, the self-employed, high LVR borrowers and SMSFs.Franchisees will still be able to sell wealth products and give advice but they would have to do that under a separate licence.YBR expanded into wealth a few years ago without much success. Without trail commissions the business would be unviable.