 And when you put it all together with estate planning and legacy planning, where is the best place, not just maybe visually the nicest place? Let's stay on health care then from new retirement. Many retirees are unprepared for that high cost of health care. Less than half feeling confident about affording medical expenses and planning for the cost is crucial. That's something, one of the many things you help people you work with do. And not only for health care out-of-pocket costs throughout the course of the retirement, but also long-term care.