This office is a total ripoff. We were convinced that we were dealing with a very reputable person who had our best interest at heart. We transferred our savings into an account with this office, and after a few months realized that we were not making any gains on our investments, because it was all going to commissions and fees. These people are not financial advisors. They are salespeople with only their own interests at heart. I really don't know how these people live with themselves. They literally convince people to turn over their entire life savings, with a bunch of promises. None of what they say is true. We lost over $10000 before we realized what was going on. We also find it absolutely appalling that there does not seem to be any legal recourse when these people take your money. No regulations at all! So, these people are "legally" stealing people's savings, and jeopardizing their retirement. I am angry about what they did to us, but grateful that we got out before more damage was done. We now manage our own investments. As we learn more, we are still amazed at the terrible funds that we were put in, so that these people could make their commissions. Stay away! Obviously, I would give less than zero stars if possible. read more