I want to tell you about Jeffrey Cutter. He's a financial advisor in Massachusetts. He operates his own firm called Cutter Financial Group, and he manages about $134 million for about 400 clients since 2014. For the past nine years, Jeffrey Cutter has been selling annuities to his clients, and he never told them that he's been collecting commissions of 7% to 8%. All this in addition to the 2% annual fee that he and his firm charged.