2 /5 Malorie Kerouac: I would be cautious, as we had money with this firm for several years and it barely earned any return in the end, the only reason we didnt take it out at a loss is because there as a upturn in the market when we pulled it out. after switching to another firm, i found out that there was no reason why i couldnt have earned at least 10% return in the years in which i was losing money. i would have earned more in the end if i had my money in CDs. I also only talked to Zach once, maybe twice, he never had an initial consult where he got to know me or my goals. he takes the same fee my new firm takes, yet provides none of the services the new firm offers.