These guys, Brian Gray and John Goodhue are very slick and promise better returns on your investments than you could get on your own. They teach a class called the Richness of Life which is supposed to be retirement planning...but it's just a marketing ploy to snag unknowledgeable clients. In the class they said the typical fee for fiduciary investment services of about 1% of assets and that you could average about 8% return if you invested using a "money manager". Well, I feel stupid...I lost 10% of my assets with their investments and their fees were 2.7%. Not only that, they have terrible service...never available, don't return calls timely, don't follow up on things they said they would do, etc. I research them after the fact...both of them have filed bankruptcy. Do you want a financial advisor who can't manage his own finances?? I don't know if these guys are crooks or just incompetent, but no matter...DO NOT USE THEM