5 /5 Betsy Cohn: I have worked with Erold now for probably 20 years, first at TIAA and now at RJ, and I have been consistently pleased with his responsiveness and knowledge. I appreciate the fact that he takes a holistic approach when creating investment plans, which have generated strong results, and that he has taken time to get to know me. Having him as an advisor as I prepare to enter retirement is extremely helpful and reassuring.