Mr. Anderson talks a good story, however, he is one of those people that does not ""hear"" his clients. Must make statements several times and in different ways for him to understand. He will tell you to your face that he works for free, this is not true. He gets payments from the mutual fund companies that he recommends. He will always recommend a fund with a heavy up front ""load"", usually 5%. Why? because he gets part of that fee. Do not trust what he is saying, everything he says is for his own interests.