If a reviewer rates all questions with 5 stars, it can seem as if he has not read the questions. I have read all the questions carefully and answered them according to my experience. I can't say exactly how long HSF has been advising me - but probably much longer than 25 years. As a healthcare executive, freelancer, chairman of the board of various organizations, entrepreneur, real estate owner here and abroad, and landlord, I have had a very wide variety of experiences with bankers, financial advisors, brokers, sellers of 'financial services', and lawyers up to and beyond my retirement. I have had mixed or very bad experiences with most of them in the long run. Not so with HSF! No other consultant has advised and represented me so unreservedly, sustainably and unobtrusively in the sense of my economic and personal interests - especially in small matters. Never has an HSF advisor attempted to recommend or sell me something that I did not ask for or desire. So far, I have never rejected any HSF recommendation or regretted any decision. I always do the math on what financial advisors tell me and probably find most miscalculations or errors in thinking. Unfortunately, most agents cheat or deceive at some point! I have never experienced anything like this with HSF advisors, even though I only know them all by phone. In all that time, despite my compulsiveness, I have not found a weak point with HSF! Hard to believe but true - a ray of hope in this day and age. So keep it up - that's how you keep customers.