It offers no phone assistance which limits their ability to properly and in real time serve customer needs. Of course, you can email them; the only option available. Good luck with that. Their support team (email) do not convey an abundance of trust and confidence in their abilities and dare I say, integrity. And yes, I am a bit disgruntled. Additionally, there is no easy way to transfer funds to another organization, only to banking institutions which in most cases will generate a tax penalty.