Stay away from these guys with any of your money they dont have your interest at heart only commision off your money. Especially Ted Ecker in Schaumburg He rolled my investment into an annuity even though I am disabled and now my money is locked in an anuity for years as market is up 80% since he did it. They have no financial expertise just using you for commissions. When I tried to complain to Wayne Messmer he blew me off and did not return my calls He hurt me and my family financially for years to come