 Maybe you could put it together, but you'd still need me to get the specific products and strategies in place to make sure they work. And I've been certified to put together retirement plans. I am a retirement income certified professional. I hate toot my own horn, but I think people need to know this is a designation just like, in my opinion, like the CFP. Certified financial planners are basically trained to give you estate planning and tax planning and financial planning.