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

that fixes things. It's the doctor that helps to keep you healthy. It's the doctor that

helps to keep you in shape, in line, and all of us from a

financial perspective, of course, to hopefully avoid some of those pains that may have

existed without an advisor. And so I think that the biggest thing is, well, does something

hurt? Is something painful? That could be anything from, I know I'm getting crushed in taxes because I don't

know how to manage my portfolio, my tax strategy correctly, too. I know I'm not performing

as well as I should or my portfolio is way out of whack, whatever the case might be. That is a

type of pain. Maybe you feel totally good. And in fact, I would venture to say a lot of people

who are listening to this, people that listen to podcasts and listen to videos and they know a lot of that stuff. They've listened to the how-toes, the what to look for. It's not necessarily my portfolio is out of whack. My tax strategy is missing. It's more of that peace of mind is lacking, which is very much a type of pain.

And one of the things that we'll talk about a lot are is we'll encourage people to spend

their money a lot.

What do you spend on?

Spend it on something that's going to increase your quality of life.

That can be a vacation.

That can be a home upgrade.

That can be something that feels totally frivolous, but it just adds your quality of life.

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