There is a complete lack of ethics at this firm. Fraudulent activity runs high. Securities fraud, lack of supervision, management has questionable ethics. Churning at this firm is a major concern as is management's code of ethics. Until the law and regulatory agencies puts an end to their corruption, stay away from this firm. Until the general agents hold on management is broken, stay away. The only area that has been buffered is the investments group, but they are being outsourced.