Many friends & family use this company. I downloaded the app to check it out. It's my 1st change for my Roth & Traditional IRA's. I get here, decided to wait. All the good things people i know have to say, then i see the reviews. If your "brick & mortar" is the internet and your "workplace" is your app you cant ignore your customers. I ran thru at least 50 reviews, all 2 ☆'s or less, and not 1 reply to any of them from Van Gaurd. Hope things change. Was excited to make this move. Ill be back.