Pros
Flexibility in own shedule- to a point; you still have to be "available" when your "assigned" clients are available.
Cons
The health insurance/ dental plans offered to "employees" is at a rate higher than one can buy in the local insurance market by him/herself. Too many middle managers collecting paychecks who don't understand "the customer" in this geographic area (Stearns and Benton counties). Relationship VS Transaction-based customers. Too many required meetings (sales pep-talks). For example, was told there would be one mtg per month (an hour's drive away), but ends up being 3-plus/mo. "Technology fee" was exhorbitant for mandatory, outdated, equipment which didn't work 25% of the time. Imagine trying to print out a financial analysis for a client- it doesn't print (even though you printed a different analysis 2 hours earlier on the same equipment); you're on hold for 15 minutes waiting for tech support; tech support tries to "fix" software glitch, but can't after 30 minutes; reboot system 3 times while reinstalling printer and network drivers that have always been installed; then you can finally print, but only in black ink because the technician believes he can't "fix" the problem.