Well we answer these posts because they usually come from uneducated users ... you are in a unique position since you are not the user but actually a credentialed business person (which you may have stated from the beginning along with all the efforts already taken).
At this point I guess the client will have to weigh the option to seek legal council but not sure how much good that will do. As you must know the devil is in the details of the fine print of the contract ... this may not have been the best investment for this IRA in hindsight and what path they take going forward will have to be decided on after much reflection.
