 it probably isn't going to be as expensive as you think. We don't charge for our income planning. Again, we only get paid those two ways, a fee based on the market monies, and we get paid a commission from the insurance companies if we're working with safe monies. Gotcha. Yeah, most advisors actually charge for the plan that they put together. We don't do that. And I would beg to say that when it comes to our charge for market monies, you stand to make more in the long term by working with an advisor than not. No question about it. So it pays for itself.