Vantaggi
Independent so myriad of investment choices. Variable Annuity tickets entered on the system, no IMO for fixed insurance products. Uses abbreviated version of DocuSign. Client statements included assets held away (annuities or mutual funds).
Svantaggi
Service, service, service. I am a SoloPreneur, so I personally dealt with the call center in Charlotte, NC. (Maybe if I was a bigger producer I would have gotten better service, but my OSJ was larger producer...) They were nice but rarely knowledgeable, and system was not self-service oriented, so every time I got a notification on something, I couldn't fix it myself, I had to call in and deal with folks. Can't even cancel a mutual fund order on the system before closing bell. Very frustrating. Had a security breach and service issues affected clients, so I didn't want to repaper clients and leave, but am very happy with new B/D. I got so I would call 3 times and take best two of three responses. (Even service center supervisors didn't call back.)