I needed to use my 401k investment since I'm retiring in few months. So I spoke to my Advisor Mr. Doug last September in 2020 and asked him his opinion in preserving my retirement account, he said he could not advise. So I asked if I could put my account in a CD. He said sure but it has to stay there for at least 3 months and we agreed. Time went by and called him in March this year 2021 to go ahead and put it back in the investment strategy account, he said we cannot do it now and we have to wait one year. He wouldn't give me a reason to why he didn't tell me that in the first place. I've already lost thousands of dollars by his lack of knowledge of his company's protocols or maybe he's doing it on purpose to cash out on the account. Anyway, I do not recommend this institution AIG/Valic to anybody because of their advisors shady practices and incompetence.