 When you're younger, it's okay to buy a product here or invest in here. But as you start to get within 10, 15 years of retirement, you want to coordinate. You need a plan. You need to say, okay, I've got these various buckets of money all over the place. IRA, Roth IRAs, a couple 401ks. How do I put it together and take this bucket of money, these buckets of money, and turn them into an income stream?