 There is your bills, your budget, you know what you need, and the two meet. And then those two meet, and then we manage throughout those retirement years. Now, that is retirement planning. Now, financial independent planning is really the mindset of getting to a point where you choose to work rather than you have to work. So go ahead and give us a call for a free consultation with one of our team of advisors by calling us at 833-WIN-RETIRE.