Pros
I got a free trip to Seattle...Oh, it took MONTHS to get reimbursed!!! Other than that I don't have anything nice to say about this organization and particularly the management. I stayed longer than I should have believing I was doing great work for people in need...what a crock!!! Management could have cared less about our clients and the service providers we represented...Corrupt from END TO END !!!
Cons
A total SHAM. I still see their adds on TV and wonder how they ever survived? Their service is worthless. Anyone with even modest internet skills can do what their "advisors" do with a whole lot less interference pushing people to do what's in the interest of APFM and NOT their clients, service providers or so called "advisors" who generally know just enough more about the subject than the people who they're serving.