Nothing personal, but I didn't have a good experience dealing with Ashley Steck. He works as an ING agent as a stocks & bonds broker & dealers. I''m no expert and what he said seemed to make sense. However, he is a very busy person and has several irons in the fire, his own fire, not yours. Some people like to talk, some don't, and didn't seem to. And getting advice is of course, about talking. In the end, I felt blown off. In the city, he'd probably fit in just great, but I suppose a person has to be a little more communicative, helpful, and concerned about the customer around here to stand out as offering great service. Maybe he'd work out great for you, that's just my experience.