Ventajas
Great name recognition. Managers seem to ensure everything is done by the book and therefore fair. Decent career opportunities if in larger metropolitan areas - if not sales. 95% great colleagues.
Desventajas
Retail is a grind, but that`s true in all banks. If you are considering the IRP role, I would highly suggest a larger branch since the volume going through alone will allow you to make six figures with minimal sales calls. If you accept a smaller branch as your home (unless it`s in a very affluent area of town), and you`ll be effectively `cold` calling all day long. Small branch in crappy area about $60k; affluent or larger branch $100k to $400k. Another con of IRP is that, since your job is to just find the business, you won't have the same level of tools the branch Financial Planner has, meaning you won't be able to do comprehensive planning. But then again, your upside is potentially far higher as you are commission-based.