I just received an offer from these guys, and I am getting a very bad vibe. First off, the design of the envelope is a direct ripoff of Centerpointe's, with the black bar above the company name and the first letter of some of the words bolded. Second, they are in Beaverton, Oregon (or nearby Portland, depending which part of the envelope you read). The same place as Centerpointe. Spin off? Ex empoloyee gone into competition? Whatever. Third, the comments I have read here.
Higher Balance gets no money from me.