Sam L. Thornal II an agent for Ameriprise Financial in Addison Texas advertises himself as a "financial advisor" and someone who is helpful for recent divorcees. What Sam does is sell Insurance under the cover of "Financial Advice." He is NOT a financial advisor although he has all the documents stating he is. Sam looked at my income and current financial situation and suggested I invest in a $500K VUL policy and put 20K of my life earnings into a Fund of Funds. The VUL policy is loaded with fees Sam NEVER disclosed and I... read full review »