Mr. Hill did not seem like a financial advisor but a charming salesman. He encouraged me to buy Flow-thru shares and higher risk products through an associate and many times I felt a red flag blowing but I did not follow my instincts. I should have. Some of the products he sold were decent but overall, it is obvious he sells products where he takes a nice commission off the top and is never transparent about fees, etc. I feel much more confortable with the advisor I have now.