i am client of Ron and I would like to share my fund experience with you....
1)He did not urge me to buy any fund before I had have any basic knowledge about mutual funds.Most of the advisors I had met just wanted to take my money from my pocket before I know anything.
2)He is a Christian(I am not , sorry)but he never uses it to gain any benefit from his business.That is, before you really "know" this man, please do not insult him in this way.This is not fair.
3)Fund investment should be long term which does not mean that we have to buy contractual insurance plan or any plan with "structured icp".Keeping one's funds in a few big and famous fund house will facilitate in house transfer.
4)He only tells guys to choose and believe in any promotion term carefully but he never pinpoints his peer.Contractual plan is useful for advanced investor or any guy only under the circumstance that he knows every details in the plan which will (luckily)be explained by the so called "advisor".
5)I am not his fan but i respect people who is really professional in his field.I am not angry with what you have said(you must be working in this field ,I GUESS),if so, stop pinpointing people but rather , be more professional in your career