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First, let me thank all of you for responding - JAFO31, RiverCityFool,bigcaat and UncaMikey. I almost feel that I should be singing "Amazing Grace". "...saved a <financial> wretch like me.."

Seriously, thank you for steering me onto the right path. I should have visited TMF site before I started this journey, but fortunately it is not too late. You all provided useful information, but the words that especially hit home was the last paragraph from bigcaat which ends this way;

"...there are a large number of people who post on these boards who have their own horror story about trusting a broker. Stop yours before it begins."

Powerful stuff!

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