I’ve had my money with this company a little over a year. During the time, they sent me a single email about account set up. Due to personal reasons, I was not able to respond at the time. They made no attempt to follow up, email, call, send a letter. Nothing. They’ve had my retirement account and have done nothing with the money in over a year. When I held them accountable, their owner joe schofield got defensive and insisted I move my money within weeks. Never had such terrible customer service in my life. Do not put your money here. Oh, and also, I have done some research and in looking at their returns, they have yielded less than if you would have blindly put your money in a mutual fund for the last 5 years.