I don't know. They are very nice. Perhaps very good sales people. They work with Kalos Capital which I never heard of, a relatively small mutual fund. I hesitate to move my funds because of their sheer desire to have my account rather just tell me about their business, then sit back and let me make the decision. They have lunch seminars and parties for their account holders which should be a good thing, but are they trying too hard? And they stress how all the time they put into my account there is no charge. They get paid from the mutual fund. They made a nice description of my status and what I need. They spent alot of time with me.. Maybe start a relatively small account with them, gain confidence, and add more.