These guys are bad. They advertise CD's and force you to come in for a meeting then try to sell you other things. Fortunately I did not do business with this company as I found out later a friend of mine bought some Metropolitian bonds (the defunct spokane company) from them that are now worthless. He later found out the bonds were high risk and for people who speculate, not for people who want to protect their principal. I also did an NASD search of this firm and they have penalties against them for selling "unregistered securities" and viatical settlements.