 your financial future. Then, let's monitor that plan to make sure you stay on course. Let's communicate regularly and let's work together to make sure your financial health now and in the future is on the right track. I'm Stan Biven, Certified Financial Planner Practitioner. Call us to get started. We're Mercer Global Advisors and SEC Registered Investment Advisors. If a tree falls in the forest and no one's around to hear it, does it make a sound?