Pros
Locations close to where you live.
Cons
Very low base pay and bonus. No sales commission paid to employee even though TD receives commission on your sales. I regularly place business with an insurance carrier that pays 4.5% commission on its products. When I write a $100,000 fixed annuity the company receives $4500 and I get nothing. I have earned the company more in commissions than I have received in pay in my 15 months at the bank. Upper management refuses to promote you if you voice any displeasure toward the unfair compensation plan even if you outperform all others with the same job title. They would rather promote someone drinking the green Kool-Aid with much lower production than a big hitter with 9 years of industry experience who doesn't agree with the pay plan. The company has only run the financial representative program for about 3 years and they still don't know what they're doing. Most of your day is spent not doing insurance and investments -- making debit cards, printing statements, helping with branch operations. If you have experience elsewhere, this is not the place to be. I only took the job because of an extenuating personal circumstance that required me to be close to home. Now that the circumstance has resolved itself, I will not continue to work for a company that doesn't reward results.