I examined the promises this company makes. A) They say you will own the "best Funds". What is the definition of best fund? There aren't any other than past performance. Do you want to invest based on past performance? How hard really, is it to move your money to the funds sporting the "best" past performance AFTER you know the results? Not very difficult I would guess. Does the company have any predictive powers of what the "best" fund will be in the next 12 months? You can be judge of that. But while you're at it, please tell me who will win the Kentucky Derby next year as well. The odds are about the same. B) Wrap Fees. That's how they make their money. The are many people who consider wrap fees as fraudulent. You be the judge of that. But you should at least know what wrap fees are and what they mean for your portfolio. Read this link for some clarity. http://www.stockbrokerfraudblog.com/2007/06/wrap_fees_beware_of_investment.html Here is another one. http://www.byrneasset.com/images/Article-NJL-wrapaccounts.pdf The Mutual Fund Store is an RIA firm cloaked in a Wrap Agreement. How can you tell? Ask them for any financial advice other than the allocation of your money into various mutual funds. That is all they will do. They are unable to provide any other financial advice. No estate planning, no tax planning, no insurance evaluation. It's nothing but a wrap program, which many consider fraudulent and barely legal. You be your own judge. Do your own research.