Ep 24: Checking your plan with a fiduciary (Financial Safari)
Some financial plans are full of hidden financial termites (risks, fees, commissions). A Fiduciary is required by law to work in your best interest. Coach Pete explains why getting your plan doubled checked by a Fiduciary is so important.
broadcasting from coast to coast. It's the financial safari with your host coach. Beat the Rudolph you'll hear from some of the nation's top financial professionals. So stick around and find out how to make it through the jungle of the financial world. Right here on the financial safari. Welcome to financial Safari TV. My name is Cynthia DeFazio, and I'm joined today by Coach Pete, and Coach is the people's choice. Coach. How are you today? Doing great, Cynthia, How are you? I am doing great. Thank you so much for asking. How have you been? It's been a fast week. It seems like we say this every week, but it's been a really fast week. I mean, people are, it seems people getting more and more curious about their financial situation, which is good and and getting people on the right path and just making sure people understand the complex financial world city. It's It's a It's a day to day job doing that because things change every single day. Absolutely. Coach Pete, what are some common questions that you're hearing right now from people? Well, people are just scared about what's going on with their money and they want to make sure that their retirement money is in a safe place. And so it makes a lot of sense. And sometimes we're told one thing, and we're not really sure if it's true or not. And then we go to Google and you get confused on Google a lot of times or any kind of search engine because you put in a topic and it gives you maybe two or three or five million choices on what or Quick. You know, Page one is where we usually start, and sometimes we don't get past Page one, but we need to know Page one on search engines. Usually people pay to be there, so it might not be the best information, but it's information that someone wants you to see more than other information. So here's what I do on search engines. I got about page 20 and work my way up instead of on page one and go down, sort of like going to I love the Cheesecake Factory and so sort of like going in and when I used to go. I have been a long time, but I used to go, uh, and they have great meals and and the only reason I went there was to get a piece of cheesecake. But when I got done with a meal, I went hungry for cheesecake. So it's sort of like going the Cheesecake Factory and starting with dessert. That's what I like to do. That's that's what that start with dessert. First you get dessert and then maybe get to the meal, right? What Mom told you you couldn't do you dio that It's also how well this is, how I read the financial contracts, that a lot of folks out there have their gigantic and glossy brochures. A lot of times a glossy front page and all that, but really were the financial termites, which I call him risk fees, commissions and things that you don't need in there or hidden. Sometimes explained and hidden inside that massive pile of documents that give you again, it's, uh, we just have to make sure to to know where to look. We know where the work we're fiduciary planning firm on dso what that means We have to put our quiets before us on everything we dio sort of like an attorney way. It is very important, And, uh, I don't understand how any person in the financial world couldn't do that. But yet every single day, what comes across my desk are or these files of we do a radio show on the radio show. We talk about brokers who behave badly, and so every week after narrow it down to the one we're gonna feature on the show, there's too many bad actors out there. So we can we. If we did a show every single day, we probably couldn't feature all the bad ones that are out there. So sure, and and what is when you watch American greed on CNBC? That's where they feature the guy who's the best adviser ever, his best friend. He comes to the churches and civic groups and everyone gives him money. And then he disappears. That kind of Bernie Madoff kind of absolute, So it's just support. We know what's going on in our financial situation, and what we spend most of our time doing is helping folks find out where they are right now, and then we find out where you want to go in the future, and then we could customize a plan that will get you where you really wanna go instead of where you think you're gonna go, and then you you realize right before retirement your planet was lying to you or did not do the adjustments, and now you're in trouble. So, Cynthia, I think every single time people hear about the financial world, they almost don't listen anymore because they say that I've already got a plan or forgot a plan or they're doing the right thing. But how do you really know? So we we do what it's called a coach Pete double check, and we'll look after we give you a second opinion to make sure from a fiduciary standpoint, you tell us what you think is supposed to happen. And that's what the planner told you. And then we'll show you in your contracts, if that's right or not. And if not, we could make some simple tweaks and adjustments to get you right back on path. Which Pete are you seeing a lot of people that come in that perhaps don't even know why they have a certain thing in their portfolio. They were just told that it was a good idea all the time. It's funny, it's It's yeah, because hearing something and having something done right are two different things. And maybe it's it might not be all the planters fault. It might be yours because maybe didn't explain exactly what you wanted. Or maybe they We're listening passively, but not really actively not listening to what you said. They were nodding up and down and they said, It doesn't matter what they say. They're gonna get the same product everybody else does. So we have to know exactly what is going to be in it for us. And so if we're taking a lot of risks and we better be getting a good return, were not, then we're taking a lot of risk. We're usually paying a lot more commissions when we take a lot of risk. Whereas we could get in a place we can isolate some money we put, we call it the core accounts. We could take some money out of your retirement accounts that's at risk. And as we get older, we need to put mawr in this account. But it's a place where your money will grow when you don't need it. It'll protect your growth and give you a lifetime income. We call it G P I Growth protection income, because the most important part of a retirement plan is the retirement plan is the income. And if you don't have an income plan, you really don't have a retirement plan. And I want folks to know that, folks, if you if you watching and you say, Well, gosh, I think we have a retirement plan. But if you look at your statements and it doesn't show you at this age, you're gonna get this amount of income that'll be guaranteed for life. You don't have a true retirement plan, so let's make sure people get that absolutely important so important. You have to just call the number you see on the screen and we'll do it at no cost or obligation. Throughout the show. The number will be up here and and Gosh, we do this every single day and it's no cost. It's $1000 value, though, and so people say, Well, gosh, how much do we have to have to come? See you guys what they say? Anybody who's watching, we will. We will talk to you and we can We can help you design a plan. Our strategies do work best for those of you watching with over a million dollars safe retirement, but a songs you have 200,000. We could design that optimal plan to give you that lifetime income that you deserve. Absolutely and Coach. But I think it's so important to stress how pulling statements out of the mailbox that's not a plan. Those are just numbers. So you need to actually have a road map, if you will, to chart your course for retired road map is a good way to look at it. I call it a treasure map, a retirement treasure map. So let's make sure we are going the right way. Remember a little dotted line X over here with the treasure chest? What if we're we don't really know how we're walking? We said when you're down on ground level, you really don't see so we do a satellite view to make sure you're going the right direction on DSO. Financial and retirement planning is all about looking at the road you're on right now and making sure it really is going to get to the destination. You've been told you thought we were gonna get Thio. It's pretty simple, but it's complex at the same time because there's so many products and strategies out there and a lot of them get lost in the noise. And many of them don't make Page one of Google s. So instead of getting generic information, it's always good to get a customized plan. So we give generic information here on the show because we don't we don't know everybody's situation. Everyone but everyone watching could get their own plan personalized by using that one little thing. The phone you call the number on the screen. We'll waive our planning fee and we'll make sure that you get at least an hour consultation to educate you on where you are and then set up another time to show you what we will recommend. And then we'll help. You also will help you identify those financial termites risk fees, commissions, but the big ones that we're seeing UFOs, unidentified financial objects. What's this in my portfolio? Coach Pete, this broker told me I was investing in real estate. Now I have this thing called a read. What's the Wreaked? So if you have a R E i t real estate investment trust. You need to have that analyzed because some of them you can't get out of so you can get in really easy getting out a different story. A lot of commissions made on there, too. So we need to make sure that you're not over paying and you're not getting putting money in a place you're never gonna get down again. Absolutely, very important. Absolutely so really. The most important thing is having someone come in and just showing you what they currently have in place. Then you can make sure that it's going to be a good fit for that. We all feel healthy, right? I feel healthy, but I still go to the doctor every year for that. Check up because I want the doctor to tell me I'm healthy. So I talked to Dr. One time. He said, Coach, I spend 99% of my time reassuring the worried Well, right, because you're saying, Oh, I got a headache. I must have brain cancer. You go to the doctor. Here's some time when I'll go home. It's like this, the migrant. So what you have to do is no that maybe everything's fine, but knowing it and having it proved and have a certified stamp put on that, everything's fine. That's that's worth its weight in gold because you don't want to find out the day before retirement that you really don't have a retirement plan. Absolutely. Well, Pete, this is the perfect time for us to go ahead and open up the phone lines. You tell the viewers where they can expect to receive. Yeah, well, I have a I've written eight books. Okay, so I have a we can to bag to you. So it's like a trick of reverse trigger tree. You get to pick three of the eight books, you get a DVD. I've got a DVD on retirement, which is a really good DVD. I'm in there, okay? And it's all about retirement plan. Then we have another DVD called The Power of Zero, which is a major motion picture, A documentary just coming out. A lot of academic professors in there talking about science and math and how to design a zero taxable plan as we hit retirement. That's why we call it the power zero. You wanna have a return better than zero. You don't want what you want. Zero loss and you want zero taxes. And when we hit retirement, the main culprit of a retirement plan not working many times is the government, because you forget that your IRA and your 41 K their 100% taxable. When you take the money out, put yourself in the wrong tax brackets. You could pay more taxes. Who knows what tax rates are gonna be in the future? What about capital gains tax? They could be a lot mawr. So the power zero. If we design part of our plan for retirement, that'll give us strange of income that we don't have to pay taxes on. That's almost like getting a 30 or 40% increase in your retirement income just by having the tax positioning. Call it tax planning so they'll get that tax plan. They'll get their total retirement plan 22 steps we do behind the scenes. We do it in three meetings with you. No cost or obligation. Coach Pete, thank you so much to our viewers at home. The phone lines are now open. Please call the number on your screen. We know you have a lot of questions about how to retire with confidence. Coach Pete has the answers for you. Well, we're gonna come back. I want to talk to him a little bit more about the power of zero. So please stay tuned. We'll be right back. Yeah, education is paramount when it comes down to financial planning, especially if you're in the financial red zone. Folks, I'm consumer advocate Thomas Lips. Come here with Coach Peter wrote a best selling author and the founder of this TV show that you're watching right now. The Financial safari as well as a nationally syndicated broadcast radio show, this word by millions every year. Coach. This is a great box that that we've put together. I appreciate you doing it well, Thomas. The reason why we put together our shows is to educate folks just like you out there. And I've taken some time now and you help me with these. Put together these tremendous box sets with workbooks, guide books, DVDs and worksheets in They're all designed to help you get onto the path that you really need to be on in educational, sending Thomas in your own house so you have to do is, call the number you're gonna see on the screen and you get your very own workbook guidebook and set DVD set, as well as your no cost consultation. No. Welcome back to financial Safari TV. My name is Cynthia DeFazio. I'm joined today by Coach Pete Better known as the People's Choice Coach Pete. A great show. I love talking to you about planning for retirement and how important it is to have that treasure map, if you will. You also talked a little bit about the power of zero. Can we dive into that a little bit further? It's very important. Cynthia. There's there's a couple ways where you can have a 0% tax rate in retirement on some of your money. Number one is a Roth IRA, and Roth is confusing to a lot of people for some reason. So the Roth folks all you basically do you don't get a tax write off when you put money into your IRA, just like the regular IRA, you get a tax write off, which will go to your tax rate. So let's say you put $5000 in IRA and you made $50,000 according the I. R s. Now you have $45,000 you pay tax on s a little bit of reduction. The trade off there, though, is you've got a very small tax Write off which you're proud of yourself. You don't pay as much in taxes, right? Problem is every single penny you put into that regular IRA and the growth will now be 100% taxable when you take the money out so you could have a gigantic growth over the years. You only got a write off on $5000. That's what you put in the IRA. Let's say that grew to $50,000 over 30 or 40 years. That whole 50,000 will now be taxable. So you bought yourself a tax increase by getting a very small tax decrease. One time with Roth. You don't get the right off. So if you put in $5000 in the Roth, you would still pay taxes on that $50,000 income, not 45. But now that money would grow, grow, grow, it would all come out tax free in the future, okay. And it would go on tax free, and it would not be subject to the minimum required distribution subject tables at the I. R. S as where they make you take money out of your IRA at certain ages in the future. Okay, so the Roth IRA makes a lot of sense. The problem is, it's a very slow process, and sometimes people don't qualify for it and that kind of thing. So life insurance is another way to grow a tax free income. You conover fund a life insurance policy on the cash value side, so you're not paying for life insurance. But you use the life insurance vehicle to build a value that you can now borrow against it in the future, like you could borrow from your life insurance policy and retirement. And and if you do it right, you'll never have to pay the loan back. And when you die, your death benefit will pay the loan off. Okay, right. Okay. It makes a lot of sense, but a lot of people don't realize that. Then life insurance also has a death benefit. That's why you buy life insurance. That's why the main reason life insurance is to make sure you leave your family in a better place, then you When you hear right, you don't wanna even the worst place. So if you let's say someone has a million dollar life insurance policy and folks, this is a new concept in the life insurance field, and I think it makes a lot of sense, especially if you already have a policy. Really need to get a review to make sure this is in there or get a policy that does. But there is a provision in a life insurance policy called a living benefit rider, where when you have a long term care event in the future, you could take money out of your death benefit. Now used to be, you wouldn't benefit at all from your death benefit had to die for the death benefit. No, you're here, so that's why they call it a living benefit. You can actually take money out of your life insurance policies, death benefit tax free and use it to pay for your long term care expenses. How neat is that? That's really, really neat. And so a lot of people forget about that or haven't heard about that, or if you have a life insurance salesman maybe they're selling you one product, and the company doesn't offer the living benefit, but these are the strongest companies we've identified. And so what we will offer is a no cost audit and review of your current life insurance policy to make sure you are in the right place. And if not, if you don't even have a policy, let's see what it would cost to get one. Because this is if you do it right, you won't have to buy a long term care policy. But you'll be fully protected for long term care. And the beauty of this is, let's say you don't have a long term care event. You still have the death benefit is gonna go on to the next of kin, or you can have a tax free income from this. If you do it right, so it's a triple play. You've got the long term care covered. You've got your death covered, like your family's gonna be in a better place. You might even have your tax free retirement covered. There's three things to accomplish with light, and life insurance is the only place in the money world that is guaranteed to pay off. As long as you pay your premiums, you're gonna die. Eventually, you're gonna have a long term care event. You're gonna need retirement income. It'll do all those. So it makes a lot of sense, folks. So I would recommend that everybody get a review. Uh, we were independent, so we could go out there and find any policy that people need. And we could tell you if the policy right now is not the right fit to because we're fiduciaries to. That's why we have to tell you the right thing. But if there is a better way, Cynthia, if there is a better policy and maybe it's even more affordable than you're currently paying when you want to know about it. Yeah, absolutely. I know we have so many things that were going on in our lives, right. But this is something that makes a lot of sense. You could save you or make you a lot of money and take a lot of that worry out of planning for retirement planning for long term care and planning for that tax situation retirement. We could reduce that. Why, When you find I think you want to find out about that right now. Absolutely. It's so invaluable to get a second opinion because even if you think that you're on the right track, maybe, just maybe, you're gonna find something that is totally a surprise and a shock. I know a lot of people. They're surprised to learn what risk they're actually taking. Like a lot of people, you'll ask them, Coach Pete, and you'll say, What is your risk? Tolerance? And they'll say, Well, I'm moderate But then what does that really mean? And then you look at their portfolio and they're actually taking high risk. Many don't realize this, too. That's that's shocking to me, because just because someone is telling you you're in a good place doesn't mean you really are. That's why, again, the power of the second opinion we talk about the coach Pete double check will double check it for you will comb through. It will do a forensic financial analysis and X rays and MRI's of your portfolio, just to make sure that what you think is gonna happen, really is, And if not, we'll show you what you wanted to have happened. We could show you that the turns and techniques that you need to do to get back on track or get on the track You were supposed to be all along. Unfortunately, hate to have to apologize for the financial world, but the financial world has been infested with a lot of sales. People who were just selling products, not strategy, is the first step in a total fiduciary plan is to make sure to identify what people need and everyone's different. And then, once we find out what you need, well, there's plenty of products of strategy. Then we go out and narrow down the products of strategies. We have what we call the financial Final Four. We show your plan currently against the top three that we'd recommend. Then we eliminate them. Then we go top to and then one. Sometimes yours is the best plan. Sometimes it isn't when you want to know. If it isn't, there are ways to get the best one absolutely, again, taking the products of strategies only after we identify what you need. It's like a puzzle. There's a million one pieces, but they only fit one place, right? So if you have the wrong puss who picked like my brother used to try to make puzzle pieces fit when they weren't supposed to fit. So we need to make sure they really do fit. There's that commercial with the for the muffler where they said, We'll make it fit, We want it We want to customize We wanted to fit without the monkeys with the sledgehammer is coming over Absolutely because everyone is so unique. Everyone's different needs and desires for retirement is different. Coach Pete, let me ask you, in the financial world, what does advance and protect mean? Cynthia? That's a big one, too. That's a really good one, All right, So when you watch the the war movies on TV, that the team that the country, whatever the the Army that wins is the one that advances and then a protector advance, then advance again. They protect advance, sort of like tug of war. Right advance, protect you dig in. And so, the most important part of the World War one the most important tool in the whole army was not a gun was a shovel because they could dig the trenches so they go forward to dig trenches. They got the golden shovels out. Now they're getting closer and closer to the enemy, right? And so our enemy now is retirement. So we need advance and protect our retirement money. Advance to protect. So then we get to retirement. Gonna have a lot more money because we're not losing what we gain. The worst thing is have a, like, a 30% gain one year on. We have a 40% loss the next year. We've seen that right up and down. It's sort of like going to the beach, throw a tennis ball out there. You watch it, come in and go out. Go out. We don't want a portfolio like that because we're never going anywhere, right? So we want one that we're always number one. We want one that we understand that we're always gonna be advancing. We call it growth. We need the money to grow. We need it protected on. And then we need lifetime income. We had one more step to the advance and protect advanced protect lifetime income. Okay, because the more money you can advance and protect the mawr, your checks are gonna be every single month. We call it the green flag on the mailbox or financial Philip, the more your checks gonna be every single month, all the way through retirement. Now, here's another thing. If you set it up right, Cynthia, A true advance protecting income plan. We'll give you a lifetime income that you could never outlive, even if their balance goes to zero when you're getting checks out. So I could be going to the like going down the bank and having a zero balance, and they and you withdraw 1000. They still give you 1000 that kind of thing. So they keep doing that all way through your life and all the way through your spouse's life. Even if you have a zero balance, that's that's beautiful. Now here's another things. Well, Coach, this is an individual retirement account, and I are a You know, the IRA stand for your account like I have my account. You have your account. We're married. I have my account. You have your account back in the day. If I started taking money from my account and I passed away, you didn't keep getting money. You would if I had some leftover, you would get the leftovers. We wanna get that income. But There's special provisions now that enable both spouses to take advantage of one person's IRA because usually one person in the family works out of home. And one person works in a lot of times where somebody has a bigger balance in their IRA or 41 K than the other one. Well, now you get the both share because you're married. That should be like that. So it's a joint income. That means if one of you pass away, the income continues to come through the other one all the way through your wife's again, even if that balance goes to zero. And here's another thing. If you have a long term care event for up to five years, some of these will double that income for you. It's not long term care insurance, but it sure it will help to get double income again. Even if balance goes to zero, you still get it. That's the beauty for the for the rest of your wife's. That's amazing. And and here's another thing that people say, Well, that's that's fine, Coach. But what if we die too soon? Nobody wants to die. So what is the big balance here? you guys gonna? The insurance company's gonna keep that. No. The insurance companies give whoever's left like the next of kin, the Children or grandchildren. They get a check or whatever the balances. So there's no there's no shell game. There's no hidden money. It just makes a lot of sense. So that, uh, that we understand what's going on, and we know what with us when we could tell you what certainty what your income is gonna be at the guaranteed minimum amount today, even 20 or 30 years from now. So I said, guaranteed minimum chances are it won't be there. That's if the market would go down every single year because you get to share in the game of the market and then you protect your gains. Sharing the gain protect went forward. So chances are the number we give you is gonna be a lot lower, then the number you're really gonna get, not the other way around, which we see too many times where they give you this gigantic number. And then you get close to retirement. Say that number is not even close. So if we give you the minimum number, it's gonna be better. It will never be worse than the number we give you Now. We could make a real plan because we're planning around the minimums, and I'm not a negative person. I like. I like positives, but I don't wanna fool somebody or make somebody think they're gonna get a lot more than they are. Let's show you the worst case. And then let's hope for the best in somewhere in between. What, you're gonna have a lot easier to plan a retirement plan when we know we could survive on the worst case. So if we get Mawr, that's what we call gravy on top of the steak. Absolutely well, Coach Pete, Speaking of retirement plan, it's time for us to open up the phone lines. Do you wanna tell the viewers where they can expect to receive today? Yeah, well, like I said, I've I've written eight books. You could get three of them or if you read them, if I give him or I've got DVDs, I've got workbooks. I got box sets on the 41 K. It's called the 41 K Survival Manual. It's got a DVD, workbooks, guidebooks, worksheets in there. It's a $300 value. I'll give him that. I'll give me a disk on retirement Called Retirement. The Discount Retirement. We've got the Power zero major motion picture DVD. It's a blue ray, and but more importantly, there's a golden ticket in there for, you know, cost $1000 value consultation with me and the team just to make sure you're on the right path or getting you your original path. Whatever you want, folks will do it for you in the financial world and make sure you understand fully where you are right now. But more importantly, what's your retirement really look like? Okay, then let's let's plan that retirement. Let's have a great retirement, Okay? Thank you so much to the viewers at home. The phone lines are now open. Please call the number on your screen. We know you want to have the opportunity to actually meet with Coach Pete and talk about your retirement goals again. Please call the number on your screen. We have to take a very short commercial break. When we come back. I'm gonna have more questions than answers with coach coach beat about planning your perfect retirement. Please stay tuned. Yeah, it really does take the warrior out of living in retirement if you get a true income plant built into your total plan, and and that's why we try to future proof your portfolio, look at what you wanna do in the future. Make sure you have protected money protected from inflation protected from risk and taxation. To make sure that you get that income all the way through retirements. You could do what you want to do because that's what retirements all about E O E, which can be 15 years old. Gold trees Yeah, welcome back to financial Safari TV. My name is Cynthia DeFazio, and I'm joined today by Coach Pete. He is better known as the people's choice. Coach Pete, I love our time together. I want to ask you a question. I know we're winding down obviously this week, but let's talk about the wealth report card dot com. There's so much volatility in stock market. We admit that, and we know that everyone should not have all their money in there. But a lot of times we don't know where we should have our money or what we understand or don't understand in the financial world and many times were afraid to ask somebody because we don't want to sound stupid. So then we tried toe, go to the search engines and try to search terms. But then you get sold. Things like search engines are loaded with sales. Things in there like be great to get information, But all the information seems to have a twist, or or an angle trying to get you to do something. Wealth report card dot com is a place where you go in the privacy of your own home and pick a couple of topics here and see what your knowledge is and get a great and then it will help you identify what you really need. Help on 10 big topics in there, So wealth report card dot com It's a really it's I like. It is great educational site, but it's a way for you to basically on, to be honest with yourself, folks. I mean, and then we can help you. If you don't know something, it's it's better toe. Ask an expert or somebody who can explain it to you absolutely. And I know a lot of people have so many questions about how to plan for retirement. But Coach Pete, they probably didn't know where to go, which is why your show is so invaluable. Let's just give people a lot of starting places. Another one is Pete on demand dot com. My name Pete on demand dot com There's a lot of DVDs up there. You can watch them. There's a couple audio books that are for sale on Amazon, but I give them free on my site. So as a financial guy, I think it makes more financial sense to go to our site and and get and download the audio books for free. Then go to Amazon, where we sell them there. So cheat on demand dot com on a whole lot of information financial calculators here, where you can guesstimate based on what you have. Put aside now what your income is gonna be and and then we can also educate you further on that if you have questions. But if you visit there, you can request a golden ticket for $1000 financial plan done for you at no cost or obligation as well. That's amazing. Why do you have such a passion for helping others Where does that come from? Coach Pete? My parents were educators. Dad's a college professor. Still, Mom was a school teacher for 27 years, seventh grade. She had her hands full when the kids started getting bigger than she got. She retired. But I take an educational standpoint, So what we need to do is we need to make sure because I've seen way too many dirty tricks and I don't like dirty tricks. E was one of three brothers, and we were always pulling tricks on each other. But that was very little. So I don't like with money and your financial future in your retirement at stake, there's no there's no room for any dirty tricks. So again, we we do what's right all the time because we're fiduciary organization. 28 a half years never had a complaint for reason, because we do everything in writing way. Make sure you understand what you're looking for, and then we tell you, number one we're honest. If you If you have $1000 put aside for retirement, you tell me you want $100,000 a year for retirements. Never gonna happen, right? So we have to be honest with you. But many of you watching you may think your situation is not as good. But if you have a true retirement plan and I'm retirement income certified professional R I C p from to the American College, we can show you based on the money is you have put aside what kind of lifetime income you could be guaranteed to get. Then you could build a real plan because you could build your vacations around knowing what money is gonna be there for certain it could be mawr. So then go on. More vacations, not less. You never have to cancel vacation. I guess we have covert again. Exactly. Exactly. Then we're staying way. Wanna make sure to put you in control? The only thing we can't control is, uh, Mother Nature. Absolutely. And how long is the first consultation with you coach Piano. We have less than a minute left out an hour, hour and a half. And it's all about you control the tempo on based on what kind of questions you want answered. But we'll find out from you what you're looking for, what you need to look at what you have. Then do a full analysis and deliver it to you on the second appointment showing you UFOs, unidentified financial objects explaining them to you and also financial termites. How we can eliminate him. But more importantly, getting you the plan you deserve. And I've also got a three books set for you. Ah, Box set the DVD on retirement that I'm in. We've talked. We've taken all the different aspects of retirement planning that mistakes have been happening. Put them together for here. So everything is available in the golden ticket for the next 10 people call right now. I love that. And I love our time together because you're filled with so much knowledge. And I love listening to you share that with the viewing audience to the viewers at home. Thank you so much for spending time with us again this week. We'll see you next week. Be safe. Be happy. Be blessed. Thank you again for watching. Okay?