Pros
A company with a genrally good repuation. Very conservative products.
Cons
Very low returns for members. Mutual fund performance is generally awful when compared to industry average. Huge emphasis on annuity and life insurance sales. Mutual funds do not count towards benchmarks and therefore you feel pressure to sell more annuities than you should. No help with start up costs. Very limited advertising help (new reps get less than 1,000 per year in some areas). They do offer a draw to help you get going but you always have that hangin over your head. Not allowed to trade stocks until you reach FC status (as opposed to other broker dealers where you can right out of the gate). Simply not too much with Thrivent to offer clients other than over priced life insurance and some decent annuities (but annuities aren't the answer to everyone!)