We received a Retirement dinner invitation from this Phil Lau. He really was unprofessional about other investment options.
Before you go to his seminar read the article from the link below.
It will discuss all of the hidden fees and the things that are VERY IMPORTANT that he omits from his presentation.
His product is fixed index annuities. An example of what he does not tell you is that the insurance company has the right to change the promised rate anytime for any reason-which they done in the past.
He says show up at 6pm sharp but then is not ready for you at 6pm.
Furthermore I think he was rude by making 25 people wait 1.5 hours until 8 pm before dinner was served.