 um if we think markets are going to do well we're going to help you be more aggressive if we think markets can do poorly we're going to help you get more conservative there's the active management of the portfolio that's just one piece of what we do we're also doing the income planning so when you need income from your portfolio where would you pull it from do you pull it from your ira account do you pull it from your joint account do you pull it from your roth account chances are it's probably a combination of to keep you in