Financial times are scary and the thought that your broker might not have your best interest in mind can push you right off the deep end. No matter what you think about the person on the other side of that desk you should always get informed yourself.
Check up on your broker using the FINRA BrokerCheck. It allows you to do a search of your broker to check for any complaints or disiplinary actions.
Read the material you are offered. The broker can go over it and explain it but you should still read it for yourself. Ask for time to read each and every word or take the material home with you. Either way – READ before you sign.
Talk with your tax accountant before making any moves with your money. The broker may THINK he knows tax law but things could have changed. It is best to talk with the tax expert before making decisions that affect your taxes.