 you know attorneys that work with that and we communicate with them you can use whoever you want but i'm going to be transparent as we start working together that i'm say hey we got to get this done and it's important to have your financial advisor and the person working on your will communicating together so it's funded so there's no hiccups so we make sure some of those things get down we kind of hold each other accountable so yeah i love it so again recap some of the biggest concerns your clients have about retirement phil