 Unfortunately, a lot of financial advisors also can't explain the reasoning behind their recommendations in a way that you can understand it. But it's important for you to get a better answer to your questions than the equivalent of because I said so. And I am a firm believer in educating my clients. One, you need to know what you're doing, why you're doing it, and how long you're going to do it for, how much it's going to cost you. That's why I spend so much of my time with my clients educating them.