David Lerner Associates

Keep away.
They hire aggressive sales people and then seek vulnerable clients.

Google, «apple reit fraud» to get an inkling of what david lerner can do for you. When young and ignorant, I invested a chunk of $$$ here. A third went into front-​loaded funds (at a parasitic 5.25%) which have performed double digits *worse* than the S&P 500 index, causing me 10’s of thousands in losses. Another third went into apple reits, which can no longer be redeemed (except by prayer or lawsuit).
Don’t be a chump– just get index funds at vanguard for 0% load. Even putting your $ under your bed is more prudent than being fleeced for 5.25% on garbage funds (think morningstar *1* star with high fees and negative ratings).
If you’re reading this, you probably have internet. David lerner does not; they refuse to communicate by email, probably because it’s too easily used against them when they’re in court for fraud.