Vantaggi
Clever I suppose. specifically relating to the Rainmaker Plan for using qualified retirement funds for people to start their businesses. I would even take the stand that they should be allowed.
Svantaggi
They charge excessively for services in many cases. Some are more complex, but they use a veil of secrecy by implying that they provide several "compliance procedures" on the accounts they represent and justify annual fees effectively fleecing the account from any benefit realized from avoiding early withdrawal penalties. The people advising the clients are incompetent and often put their clients into situations where they are out of compliance and leave them to clean it up. The tone and culture seem to be get all of the money out of this gray area in the tax code and when it closes, let the clients fend for themselves while the management runs off with the money. They'll leave their clients and their employees on the street.