BYUINSDER, I'd really rather speaking to financial advisor I used when I was in high school, an account I know, possibly a friend who's a bankruptcy lawyer if she would be any help or even the discount brokerage firm I use. I trust your advice, but I'd rather be safe than sorry. If I did anything, I'd rather recruit family, friends or co-workers first. I'm also aware of the difficulty of doing business with people close to you.
I'd rather not get off-topic on this board. If you'd like to talk more, please post on the board I oversee below.