I had a Forester's financial advisor at my home to discuss enrollment. The problem is with the answers he gave me: 1. He told me this investment would be like a savings account and I could withdraw my amounts at any time WITH NO PENALTIES. 2. He told me that this was set up to help older people, still working to create an additional retirement fund. After considering his words I signed a paper, but the following day I emailed him to cancel any auto withdrawals to my banking account. He did not reply and the following month deductions of $125 started on my account. Again I requested cancelling via email but received no reply. No one from Forester's EVER contacted me, they just continued to take money. Now 15 months after I finally sent a request via website to stop these payments. They sent a form to cancel the contract. It took four months to get them to stop taking payments and another three months to request my money back. I was told the penalty for closing the account was more than the $1500 they had taken from me. They are RIP OFF artists. Never contacting me directly, passing me back and forth when I called directly and never telling me there was a penalty to close. The representative that signed me up, Mr Russo had never returned a call or email.