Pros
Entrepreneurial oriented and flexibility of work schedule.
Cons
In the Retirement Benefits Group, you sell high fee variable annuity 403b plans to non profit and public school employees. You are assigned a designated territory with a set number of sites. Towards the end of the school year the market becomes saturated and you need to fight tooth and nail to find new accounts. In September, there are more new staff to sign up and activity increases again. You don't make much in commissions the first few years unless you fall into clients with significant assets which is rare and or you have a natural market. You aren't approved to be on site and solicit employees so you have to sneak around and hope you don't get caught. This gets tiresome after months and months of consciously breaking the rules and facing stiff resistance from administrators, district HR people, and union members.