 So for each person, it's a very different answer. Each adult has a different set of goals and each adult has a different budget in retirement. That's why no two plans are the same. And Joe Pat Root wants to offer that no cost, no obligation, one page retirement income plan. You'll sit down with Joe Pat and the team at an office that's convenient to you. Either the main office in Belmont, 123 North Main Street, or their new location in Cornelius.