 Everybody's different. Everybody's situation is different. Derek sees all people from all different walks of life that are in very different life circumstances. And that's you if you're listening. 888-999-6370. If you want to get a plan and not a product, you can get the folks at the New Millennium Group to walk you through how to make that plan. Get the Social Security Maximization Report today at no cost to you. 888-999-6370. That's 888-999-6370. Utah's financialplanner.com.