text:  so anyway so so what you do is is you help retirees figure all of this out okay you meet with them and you find out oh you have a pension or you don't have a pension and you try to help them figure out you know you know are you going to be okay in retirement are you going to have enough money to actually you know quit your job so walk us through what that's like we tell people every week they can give you a call come in and see walk us through that analysis