Customer service is terrible. They think that you work for them. Their fees are not even competitive with other custodians. They charge very high fees and then charge you again and again for everything they do. If you open an account with this company you will regret it, then if you want to close your account because of their mistakes and crapy service they will charge you $230 to close your account and get your money back. If you need a special custodian use IRA Services Trust Company 800-248-****. Their fees are much less and their service is excellent.