Like I said, I'm sure mine was a lemon. That's why I don't bash RIA's, too many people have good results with them.
I felt it was only fair to share my experience for balance. I might even consider trying another one someday. I might not, but...
“If ye love wealth better than liberty, the tranquility of servitude better than the animating contest of freedom, go home from us in peace. We ask not your counsels or arms. Crouch down and lick the hands which feed you. May your chains set lightly upon you, and may posterity forget that ye were our countrymen.” ― Samuel Adams