Please stay away and save your time. Don't be fooled having their office located in the same building of big banks like Chase etc. They advertise that they give higher interest rates for short term CDs but it is a trap to get into high broker/agent commision annuties, which again is a big question mark. If you insist you just want the CDs, you will not get proper response and your call will not be returned. If they can't honor what they boldly advertised, I will not believe in them.