Good advice posted by the others here, Jerry.
Back in 2012 I started a thread about a friend of mine who was approached by a salesman trying to sell him an annuity through his Roth IRA. You can read about here:
The first bunch of replies included what I did and the advice I received from others in this forum. Later in 2012 I moved the direction of the thread to the tragic passing ofmy friend's remaining parent and a subsequent inheritance he received.
Another story I have for you, Jerry, is when I was "poached" by a pushy rep at my local Fidelity office back in 2010. He wanted to take over the management of my account for a fee, something I had no interest in. After losing 2 hours of my life I would never get back, I had mentally written a letter of complaint to Mr. Pushy's boss (the office manager) by the time I had walked back to my car (and mailed it out the next day). The office manager called me a week later and switched me back to the rep I had originally been assigned to (but had never met because my previous rep had recently left Fidelity). The office manager was not happy to learn Mr. Pushy had just "taken over" from another rep without his knowledge, either. I learned last year that Mr. Pushy has since left Fidelity.