 You'll have a plan if you don't have one. You'll have recommended changes if you need it. Or you'll know your plan's so good, it's good to go. No harm, no foul. Move forward. So you call them today and do that. Tell them Michael Brown sent you. The Retirement Planning Center of the Rockies, 970-663-3211. 970-663-3211. Online, rpcenter.com.