<prompt> Human: Last night my roommate invited me to a financial planning seminar that she said her friend was hosting. I agreed to go with her because Id been wanting to get some information on investments and plan better for my retirement.What we walked into was not at all what I was expecting. It first appeared to be a networking event. Lots of men and women in pant suits and name tags, shaking hands. 5 seconds into the first speakers speech, I realized we were being recruited. They praised the company for making them 6 figures within one year. You can work part time, they said. You dont need any financial advising background! Wow!At the end of the presentation they asked if we either wanted to be advisers or clients. I didnt want to work for this company so I reluctantly agreed to a free 30-minute analysis, where Im sure they will try to get me to open a roth IRA or something. My roommates friend brought us into her office and scheduled us for appointments right then, and theyre for today.I do need financial advice and I do want to diversify my portfolio, but Im just not sure about this company. Does anyone have experience working with them? Should I go to the appointment and listen to their sales pitches? And if Transamerica isnt legit, where does a regular person like me--who doesnt make anywhere close to 250K a year--go for professional financial counsel?  <response>: Multi-level marketing company, aka scam. 