 for your Roth IRA, your kid's college, your rollover from your old job, or whatever. And they're helping you do that. And 1% on the managed accounts is what almost all of them are doing. I mean, my only question would be, at this point in your investing, you haven't even begun yet, how much financial planning do you need each year? That would be my question. Not a ton, but $600 is not $6,000. That's true. The other thing you can do is this. Meet with that guy.