Baywood was referred to us by a CFO we know. They called us a few times, but we never responded. Finally, six (6) months later we called them. I don't know why we waited so long. I guess we were afraid offending our current broker whom we had for 20 years. When we showed our benefits package to Baywood, they were aghast. After they showed us how much money we had needlessly wasted because of not being well advised, we immediately fired our broker without any concern of offending him.