 well again it's it's where you are in the cycle and so if you are 50 55 60 you're approaching retirement you're getting ready to leave that accumulation phase of life and transition into the distribution phase of life and the distribution phase has different rules it has different needs it has different levels of expertise that somebody's needed getting the plan should be the thing that you're worried about you know if you're worried about the presidential election but you don't have a plan