 Let's take a look. Let's make sure that we've done certain things. Now, there's a lot that needs to happen pre-tax day as far as contributions to things like IRAs and Roth IRAs. There are things that need to be done when it comes to planning. Let's take a look. Let's come up with a plan for the year. It's a system of checks and balances. The first thing you do is you come up with a plan, which advisors should be doing and explaining it to clients at the beginning of the year.