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I worked at Cottonwood Financial full-time (More than 5 years)
Coworkers were great and the annual 1-3% inflation raise was nice!
Employee benefits were horrible - if you are supporting a family you may as well just look into obamacare! There was no company culture - no casual days, no holiday parties, frowned upon when using time off, good luck ever getting away for more than 2 days! The method of training employees could have been better instead of handing out a SOP and saying "do this, do that, then that, let me know when you are done"
Advice to Management
For the growth cottonwood has made and continues to make year in and year out, reward your employees some. Spice up your employee benefits package, and work better on retaining productive workers for the long haul.