It's unfortunate that some people will do relatively little in the way of research before sending their hard-earned money away in the pursuit of easy payoffs. This woman, who I'd think might be savvy in some use of web-based search engines having a computer store, would have come with a major red flag if she had completed a mere Google search. When one searches for "National Financial Advisor Inc." (make sure you type exactly like this, including the quotes), you get a link that has a list of complaints going back to October 2008.