 a bigger piece and that's most financial advisors don't talk about that and you know that's one thing we really want to talk about really focusing on retirement planning so if you're already retired or real close to retirement now's the time to come in we'll just sit down and get to know each other and see if we like each other and see if there's things we can do to help you if you want to find out how we do that it's complimentary why not pick up the phone give us a call