 And during today's episode, Andy and I have been sharing, if you're turning 65, there are six pointers you need to know. And these days, it's easy to find a financial advisor. It seems like they're on every street corner and at every bank. But finding an advisor that specializes in retirement planning with a focus on tax efficiency, now that's something unique. And that's what we do at Russell Total Wealth and Wellness, and it's what this show is all about. Listen, on average, you and I work 90,000 hours during our lifetime.