This is my second review of The Ray Linker Financial Group. Reason being is this; Our first review was written after the owner / company refuse to give us a refund of the several thousand of dollars they ask for up front. The fee agreement, said we CAN cancel in writing, and that $1,000 would be retained for Administrative costs. However when we asked for a refund a week later. We received an email from the owner which stated "I don't agree with her cancellation. She agreed to a flat rate and there will be no refund." So we wrote a review and place it on a few websites. But before we could place them on any other sites, The Ray Linker Financial Group contacted us and our attorney to negotiate a settlement if we would remove the reviews. Also coincidently the same time they found our negative reviews, two positive reviews by Geri G. & Leslie L. went up on the exact same sites we placed our negative reviews on and the exact same day Sept 13, 2011. Coincidence? I don't think so, but I’ll let you decide. In good faith we removed the reviews that is when things became worse. Ray Linker continued to drag things along very slowly. His last email to us which was on the same weekend our family member died, was a very arrogant message, “Take it or leave it!!!!!” offering less than half of what he owed us, not including legal fees. So now I’m writing my second review to help those who are looking for someone to take care of there love ones estate or there own financial situation.