If your not going to buy what they have to offer Steward is no help in a consultation. The whole point of the one to one consult is to understand you situation and to get the best advice your & clarity on what is right for me.
He contradict what his per-caller String has thought I could do then tried to up sell me without a good explanation.
He was suppose to be the expert and all he did was ask me to ask him a question.
Finally he told me I need a CPA. Then he made a recommendation... which after my experience I will not use.
Good luck if you still feel like you need this service.