Pros
As mentioned, great benefits. 7% match and 10% profit sharing. If you do 7% your going to be putting away 24% of your total pay into retirement which is great.
Cons
Their Portfolio Advisory Service (PAS) is the key product along with annuities that you are pressed to sell. They train you really well on how to overcome the objections of Clients. You get paid 0.07% or 7 basis points for every dollar you put into these products - JUST ONE TIME - there is a tiny bonus based on Retention. The worst part is that every one in the Financial Consultant role knows the product is terrible and underperforms consistently by 1.5%-2.2% on a yearly basis. If you work here, prepare to exchange your conscious for your paycheck. Management will talk trash about you after you leave, there is no loyalty. You will work with 400 Clients, the best Financial Consultants don't develop deep relationships with Clients because you don't have the capacity to do that because you must sell about $36 million a year at a minimum in their garbage products.