Hi Cindy and Mike - I can't thank you enough for all your help.. I can't believe the difference is financial advisors! To see my money grow now is so rewarding, and knowing it is still secure and I can trust you that it is really working for me without me working for it is truly peace of mind. And especially thankful to share that with my kids.. to see even $25 a month grow will set them off on the right path for life. And I love not having to pay any fees! Thanks!