Pros
The people who actually do the work are great. I have always been impressed by the quality of work the Financial Planners are able to produce with such horrible resources.
Cons
A caution to anyone thinking of enrolling in Personal Advisor Services--the technology does not work. Advisors are limited on the advice they can give because the planning software has so many glitches that many things that make sense are just not possible to do for clients. Morale amongst planners is extremely low. Advice Services used to be a destination career and now it is a place to avoid. Those hired in from the outside are paid tens of thousands of dollars more than those who have moved up internally. Very little diversity. Managers have no advice experience.