 One of those appointments, again, you leave the checkbook at home. We get it. It's a stressful time. This is your money. But if you're out there and you're sitting on a portfolio and you think, you know what, I'm going to just claim Social Security whenever I'm going to claim it. I've got my 401k and I'm good to go. That is not a retirement plan. And you get an opportunity today to get on the calendar with elite income advisors at no cost.