Rick Willettes has no idea what's important! Anyone who can lay off employees while purchasing a $30,000.00 oil painting of himself to hang in the lobby of the Cooperative Bank main branch(a little narcissistic, isn't it?) doesn't have a clue! And, this was right before the bank was closed by the FDIC! My advice would be not to trust him to tell you how to invest your money, or "manage your wealth"!