text:  Before you go out and make any changes, because it's not just about coming in and working with us, it's about getting the information you need to make the right decisions. One of the things that we provide you is an analysis of the fees in your portfolio, both the hidden fees that you can't see as well as the advisory fees that you can see. You want to try to lower that fee as much as possible, or if you're going to pay the fee,