Zach, take it away.

The advisor that was great at helping you grow your money may not be the best advisor to help you actually spend it in retirement.

Those are two completely different jobs.

Accumulation is generally pretty simple.

Let's just grow the pile as big as possible.

Retirement requires a different skill set.

You have to use different tools, there's different questions that have to be asked, and a lot of advisors haven't made that shift.

Hey, thanks for