5 /5 Dennis Guaglianone: I transferred a substantial portion of my 401k to Vermillion Group (Mark Culbertson) about 18 months prior to retirement. I had no indication how well I would be treated and how much of an increase in my portfolio would come of this transfer. My previous investor was less personal and I self managed my investments. After my transfer and one-on-one advisement I was able to retire as anticipated. I am confident my āVermillion Groupā will continue to strengthen our investing relationship. Thank you Vermillion Group - Morgan Stanley in Lafayette.