Pros
Financial advisors are not captive agents and were provided with 4 good levels of financial planning software. Advisors market to credit union Members and have the marketing support of not only CUNA but also their assigned credit union. Computers, phones, printers and parking are determined by the local credit union but may be negotiated in initial employment contract.
Cons
There is an inherent mismatch between a for-profit brokerage service and service to non-profit credit unions. I know of no CU that understands the financial planning business and therefore one is often faced with irreconcilable issues i.e. serving all Members, even those with no money to invest, while trying to support oneself by tiering services and qualifying Members. Advisors are often responsible for a large number of branches (5+) so much have outstanding time management skills and use the best technology/tools to support the challenges.