All of these accounts are FDIC insured. (You can check whether anonlinesavingsaccount is FDIC insured at the official FDIC institution directory.) All info is current as of 26 June 2011.
Michael and Jamie Singer, both in their early 30s, recently hired a financial adviser to manage some of the money intended as a down payment on their first home that had been in CDs and anonlinesavingsaccount.