 And most importantly, we're going to align your assets so that if you become sick or incapacitated or die, your loved ones can help make decisions for you, and then that money transitions in the most tax-efficient manner. So estate planning. We're then going to do an income plan, right? There is no retirement without income. So income trumps investments when it comes to retirement planning. But then thirdly, we've got to look at the investments. We still want to do investment management, but after we have an income plan in place.