James, when you work with an advisor, most people reach out because they go, I want peace of mind.

I don't want to have to worry where I have a new job having to do this in retirement.

However, when you first go to hire an advisor, it's not as black and white as you might think.

Some people think it's as as, hey, I just broke my leg.

Now my leg's broken.

I need to go to a doctor who's going to fix my leg so I can walk again.

When you work with an advisor, sometimes it's about timing. It's about, oh, I currently have an advisor.

They're my best friend. How am I going to break up with them? When it comes time to working with an

advisor, there's often a framework that we'll talk about and there's a way to think about it so that when you do hire an advisor, you go, my life's way better.

And I've thought through this intentionally.

When it comes to truly going, yes, it's time to hire an advisor, how is it that you think about this when you're speaking to someone?

Kind of like what you just mentioned, I think, but in the sense of, is something broken?

Is there pain?

Is there something that needs to be fixed?

And that's only one part of it, though.

And I'll say like the doctor, very much like the doctor.

Your leg is broken.

You feel pain.

You know that that needs to be fixed.

The difference is when you're doing that,

that's very much a reactionary thing. That's very much of a something already happened.

I need to fix it. Hopefully with an advisor, it's also a preventative thing. It's not just a doctor

...