I was wanting to invest some money before the end of the year but I know very little about investing so my brother suggested Charles Schwab Intelligent Portfolio. You can set it up completely on line, but I didn't understand the different types of accounts so I called them directly. David was phenomenal!!! He spent 2 hours on the phone with me, walking me through each page and explaining everything. I was amazed at his knowledge and patience. I opened two different intelligent accounts and feel I have a much greater understanding of investments than before I called. I highly recommend them! David's customer service was impeccable!! I plan on transferring all my employer retirement of accounts to them.