After hearing ad's on the radio I decided to call Woodmen. I was given an ""appointment"" with Gayle and told a bunch of lies about withdrawing my money from a 401k and putting it into a Roth account. I specifically asked her three times if I would have to pay taxes, and each time she said ""no"" not until you take the money. This is a lie, when you withdraw any pre tax money and put it into a Roth you have to pay taxes. My advice is to stick to someone that knows what they are doing like Edward Jones. By the way, the ads on the radio are only for her, if you call, they schedule you with her only, even in my case in Aynor, there are agents in my area, but heaven forbid she let them get my money!