Pros
opportunity to assist the most underserved; Middle income families
Cons
First Command is turning into an insurance focused company, since majority of money they make comes from insurance policies, mainly Whole Life, and treat their advisors worse than just employees. Advisors have no authority in decision making even though they are called "independent". Worst financial practice. They used to be a much better company, but nowadays they do not care either about their advisors or their clients. The good ratings you see on here are either from their marketing department or advisors who are sitting on top and collecting paychecks from businesses that new advisors brought in and they did not survive with FC. They have all their advisors as independent so they can push liabilities away as much as they can and push it to the advisors.