I inherited some Schwab IRA accounts in 2012. I found a house I wanted to buy with some of my inheritance. I called Schwab and asked how I go about doing that. I had no previous knowledge of IRA's or any other investment accounts. I relied on Schwabs guidance. I was told by several Schwab employees that I didn't have to pay taxes on the money. So, I went through the process, under their advisement and guidance, only to get hit with an audit and nearly 40K worth of penalties, fees and taxes owed. I have told the IRS what they did to me, they don't give a crap. Schwab said they would help when I first called but then....they back peddled and for the past few years I have been trying to get them to do the right thing and they won't.