<prompt> Human: A buddy of mine works for them and reached out to me over a month ago. Ive been going through the preliminary process with him, and am at a point where we are looking to move forward with the process. Anybody have any experience with them, what they do, and if its beneficial? Im 23 24 and my fiancee is 24. Risk management is the first step with them, with investingwealth growth following, just FYI.  <response>: Short answer: no. Hell no. Tell your friend youre sorry but you dont want to continue. 