 And if they're with a broker dealer, the broker dealer typically does not allow them to give tax advice, which is very spooky. You have somebody who is advising you on your money, but they're not allowed to give you tax advice. In my opinion, one of the first questions you need to ask your advisor is how many tax returns have you ever prepared? Because if they don't understand the taxes and how that works, that can turn out to be the biggest hole in your pocket. So the tax planning is absolutely essential.