I would give them a zero. If you want your money managed by crooks create an account with Charles Schwab. If not crooks, they are incompetent. They are holding my kid's college fund account's hostage, they don't understand Federal or State law, they ignore court orders, they keep coming up with excuses on why they can't process anything. Almost a year later, and I now have to take them to court. DO NOT DO BUSINESS WITH THIS COMPANY!