I opened the Vision plan 5 years ago and do not trust the advisor. he/she is paid on your contribution and not on his/her performance. Secondly, very high fees which are paid every year and every year they calculate the total amount of your contribution (since day 1) for application of the fee. the major issue: No transparency, you loose money and you cannot exit easily (or you loos 1/3 of your contribution). I took me 5 years to really understand how it works and this thanks to blogs not to them. they will sell you the product saying that you will have 5% Bonus at the end of the plan. let's see. but for the fee, it's 2% per year of your total contribution. which is not the case for the loyalty bonus.