 Have a conversation. And believe it or not, when you sit down with Jim Martin or somebody on his team, they're going to do a lot of listening. And then there's a conversation because it is about you. It's about your goals. It's about what you have on the table. Do you have the puzzle pieces? And then if you do, you kind of put that puzzle together. That's the map. That's your retirement. But if you don't have some of these pieces, that's when a real conversation happens about things that you can do