The best part about Defined Contribution / 401k System is the ease of use. The company has always been extremely helpful in answering any questions I may have. I have never received a phone call or e-mail after signing up to request any information. It is a great product and I highly recommend it. The only thing I dislike is that you can only use the system so long as you are paying monthly fees. So, if you do not have the money to pay monthly fees, you are stuck. I would highly recommend this product. It is very easy to use and has made my life a lot easier. I am able to pay bills, manage my retirement, and keep track of my expenses in one place. I am able to see what I am spending and what I need to spend to keep my balance in check.