DO NOT USE THIS COMPANY!!!!! They have horrible customer service. They never ever return phone calls plus when you finally get someone on the phone they are RUDE. These people never get their story straight one week it is one thing and the next it is completely different. They are very difficult when it comes to getting your money from them. I contacted Dale Smith (the president/the founder of the company) by email and he told me "Please do not contact me further." How can a person that owns a business tell someone that? I was contacting him with a problem and a concern in the hopes to have help. Apparently he is not going to help. I plead to anyone that reads this PLEASE DO NOT USE THIS COMPANY you will not see you money that you have stored away for retirement.