I highly do NOT recommend Tim Riley as a broker for your money ! My wife and I went with him out of the yellow pages and we have been sorry ever since then. Our initial mtng. w/ Tim was to discuss possible investment vehicles for a substantial 401k transfer. The 2nd mtng. we find out he already put in all of it in funds we didn't authorize. When we tried to get him to put it all back in a money mkt. acct. he wouldn't do it. He wouldn't call us, email or communicate. Now we may have to go to court to get the funds back. Invest here at your own risk !