I use this service, and although I am skeptical about businesses who charge for financial advice, (like the best advice is don't pay for what may amount to poor advice), I have felt that this one at least isn't just shuffling me between one mutual fund and another just to collect fees. I look forward to meeting with them and discussing strategy as their choices fall in line with my own, albeit limited, research. Fair warning to anyone looking for financial advice though, it is your money and you should be educated about it. I always wonder why if someone was good at investment how come they work for someone else? Cynical I know and unfair I'm sure but capitalists wheels are greased by the money of trusting people who think the world is fair.