 And one of our advisors sat down with Tommy, and Tommy said, we have about $3 million saved, none of which is in retirement accounts. We don't want to take on any risk. Can we still spend $90,000 per year in retirement? He sat down with one of our advisors, and then that advisor sat down with him, answered his questions, and showed him some opportunities in that first visit to reduce his taxes in retirement, given that it was all outside of retirement accounts. Tax mitigation was going to be a big deal for them.