[Hifred]

We had several meetings with Fross and Fross. They seemed very professional and we were ready to transfer our money to them. We got the paperwork and read it noticing that they were with LPL financial. If you look at emails you get from them you will notice it states LPL financial. LPL was fined numerous times once for 11.7 million dollars by FINRA, another time for 10 million, another time for 6.5 million and has been cited in a number of attorney general complaints and improper regulatory actions. You can look up LPL financial and read for yourself before making a decision. We personally found that to be disconcerting and chose not to invest with Fross and Fross. However, investments are a personal decision so it is important you do your research and come to your own conclusions. Some of the problems with LPL was they were charged with sales of complicated REITS or non-traded REITS to unsophisticated investors, failing to maintain a proper supervisory system with respect to the sales, employee misconduct, and the like. The people at Fross and Fross did seem efficient and caring however, after reading horror stories of others who worked with offices also owned by LPL I decided against it.