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Why a Will Alone Won’t Keep Your Family Out of Probate | Estate Planning for Federal Employees · Federal Retirement Advisors | FedLegacy

• William Smith: Good evening, everyone. Good evening and welcome to another episode of the Fed Legacy Podcast. Tonight, we're gonna talk about a subject that is very near and dear to most people, right? if you've ever met with us before, we do our what we call our retirement readiness. And on our retirement readiness, we address five key things. we address the longevity of money, how long your money's gonna last in retirement, because we want you to have that peace of mind. We address which is security when it comes to your TSP funds. We address what the tax situation, which we talk a lot about here. We also address how long-term care and things like that will impact you. But the fifth one is legacy. It's how do we protect all of this. Yeah, you can get life insurance that matters. But how do we protect all this stuff and we have the things that we want, go to our loved ones for both when we want it and how we want it. And that makes a big difference. And that that's a conversation in our community that we don't talk about a lot. And we've seen some some prominent figures in our community that didn't have these things set up like trust and estates. They didn't have it set up. When we think of Black Panther Chadwick Bozeman, he didn't have it set up. His cousin's a good friend of mine. And he and he's he's like, yeah, they the family just did not have a trust set up for him because they just were not prepared for what was going to go happen. Aretha Franklin, another prominent person in our community that didn't have this set up. Prince, another one, and all the assets that he had and the the backup that his family had to do in public court situations. And so it's a subject that a lot of times, no matter who you are, if you're you're a federal government employee or you're a celebrity at the top of the at the top of the entertainment cycle, is something that just unfortunately people just don't like to address. And I get it. And the reason why most people don't like to address it from what I've come through over my 18 years of supporting federal employees in this space is one of three reasons. You could try to identify yourself in this. One, you probably just have a lack of education. Simple as that, like most things. You just don't know how a state planning works. Next, or you might have got educated. You might unlike you know what a trust is, you know what an estate plan is. You know what a will is, you know what a healthcare director is, but it's so much information, you just don't know what to do with the information that you already got. And third, what we run into is you just seen other people just get scammed or prolonged, or they thought they had something they didn't have. And so because of that, you're kind of jaded around the subject. So even though you know you need to do something, you just don't do nothing. And I get all three. And this is the reason why Fed Legacy, we decided, because we used to refer this stuff out all the time. Sending to different estate planning firms all throughout the D V. we have a lot of clients in Atlanta. We used to send stuff to estate planners and w when words would get back to us and be like, Well, Mr. Smith, this person didn't have all and then I just felt bad because I just like, you know what, what can we do? We know we need it. And so tonight, what tonight what we're gonna do is I'm gonna introduce you to two people. That work with us at Fed Trust and Wills those people are just like you all. and so what I want to do, I'm gonna introduce you to them. But before I introduce you to them, here's what I want you to think about. When it comes to your estate planning, when it comes to your estate planning, I want you to think about this. Why is it important to you? Right? Really think about why estate planning is important to you, right? How long has it been something you've been thinking about? Okay. How long is it something you've been thinking about? Have you done anything about it in that time period? I want you to think about those things. Sit with it because a lot of times we put ourselves in situations to be educated and we get the people to come to us and then we don't take action. So tonight I want you to think about why, what what's your thoughts on estate planning? Right? Really think about why it's important to you. How long have you been thinking about it? Has it been five years? Has it been three years? Has it been one year? Has it been just today when you saw the email? Then why haven't you done anything about it? Or what have you done about it? And then is now the time or not? Though that I want you to sit with this as we go through the webinar tonight, because those are the important things. We're here because we want to make sure that we're protecting our legacy and growing our legacy. And that's the reason why I. We saw the Fed Legacy. This is the reason why I show up here every Wednesday. This is reason why our team we do our calls. this is the reason why Fed Legacy exists. And so tonight we're gonna bring you those that value. We're gonna introduce two folks to you. And so in my 18 years of doing this, like I mentioned earlier, doing the financial planning. One of the things that we see in the in the estate planning process that I just wanna get out of the way. Cause a lot of times this is the thing that most folks They're they're confused around. Now, when it comes to estate planning, you can go on LegalZoom right now and you could get a s estate plan for two hundred and fifty bucks. Right. But the question I ha I I ask you is if you're on your when you're on your deathbed or need some healthcare directive type stuff and your family trying to figure out what to do and they're arguing about what they should do and or you pass and there's a bunch of money, you know, you got $500,000, a million dollars in your TSP and they're trying to figure out what to do with it. Do you want them pulling out a LegalZoom piece of paper that you did and filed for $250? Or do you want a real estate plan? Right. And so we see that all the time. People like, well, I could do this on Legal Zoom, but they never do it. But then you have people that they say, I want to do this big attorney firm and they're charging upwards of $5,000 or so. And then once you get there, you're just a regular client of theirs. And we'll talk about this later. But they never treat you with that respect. and so with Fed Legacy, what we did was we bought it in-house. And so, our range is around two twenty five hundred on one of our lower packages up to five thousand. Right. But we go we're right in between there. Just and the five thousand one just depends on how much real estate you have. But what we do inside of Fed Legacy is we handhold you. We, we, we consult with a team of attorneys. That's part of what we do to to be able to even offer it to you. and so we stay in that range because the reason why we stay in that range is because we want to make sure we hand hold you through the process. Make sure it's complete. A lot of folks we already meet with are already clients of ours. And so we want to deliver it in a in a in a competitive price point and make sure we deliver it all the way to the end and finish our promise at Fed Legacy, which is making sure your legacy is secure. So with all that being said, I want to invite two people that are near and dear to me, the two people that are our estate planning advisors at Fed Legacy. I want to bring forward Jackita Bass and Bradley Tramel What's going on y'all? How y'all doing? Bradley Tramel: Doing all right, doing all right. William Smith: That's good. That's good. That's good. That's good. That's good. Jackita and Bradley have been working in Fed Trust and Wills for a little while now. And so what I what the reason why I'm bringing them to the stage is because I want them to be able to I just want I want I'm gonna ask them some questions that a lot of a lot of our clients in the estate planning side of the things, a lot of things, a lot of questions that people ask. And so for Jaquita, the question I have for you, what's the biggest misconception you see? people that people come to up come to you come to you when it comes to a state planning. What's the biggest misconception you get? Jackita Bass: the biggest misconception, Will, is that a will is enough. I think back to March twenty twenty when we were all you know, trying to understand the pandemic and where we were in the world and and trying to adjust to this this new normal. not sure if we walked outside and we would be attacked by some virus or whatever. And at that time, I know that I asked all of my family members to create a will at that time. And I even William Smith: Yeah, me so. Jackita Bass: helped, yeah, I even helped several of them to to create a will online, just like you said, you know, William Smith: Yeah. Yeah. Jackita Bass: $99 or whatever it was. but here's the thing, Will. We never got that will notarized. We never fouled it with the county or the state. So it's just like an empty bank account. You can't you can't write a check to an empty bank account. Nothing was there. And so I think that's the biggest misconception that if you have a will, a will is enough. But it's actually not enough. The will will help you to manage your assets and get those, distribute those assets, but that will still have to go through some court proceedings. William Smith: So, so is it that so you said two things that are interesting to me. You said, and and something I know comes up a lot, and we we've seen this with a lot of clients who come our way, is that they they pay for these trusts, or they think they pay for the trust. They pay for the shell of a trust, but then they don't fund it. Can you talk to me about what that means? Number one. And then number two, can you also talk about what are some of the some of the risks that are associated? With just having a will and not having a protection around it. Jackita Bass: Right. So with just having the will and not having the protection of a trust. And when we talk about a trust, we're we're meaning a revocable living trust, right? But just having that will, you are likely to still have to face court proceedings in some type of probate. You would have to open up a probate case or an estate for William Smith: Yeah. Jackita Bass: your loved one. to actually get a testamentary. And so I'll give a quick example on that. I my cousins, you know, their their mom passed away, the mom left everything laid out. She had all of her her business in order. she had all of her beneficiaries you know for her her children and such. But needless to say, In order for them to sell the house, the bank required them to open an estate, have a letter of testamentary. And so you will still need to go through some probate process in order to carry out or execute that will. We talk I mentioned the revocable living trust. That revocable living trust helps you to manage your assets while you're here, but also helps your assets to organize, organize your assets when you pass away. And it provides that layer of trust. it streams line streamlines your process for distributing your assets to your family members. And it also prov provides some privacy. If you're opening up any type of an estate or going through some type of probate, you have to publish that in a paper in most states. so that's what the revocable living trust does. I like to look William Smith: Okay. Jackita Bass: at it as a a heavy steel file cabinet. and that trust William Smith: Yeah. Jackita Bass: is is holding all of your assets there. William Smith: Yeah, I agree, because that's that's super embarrassing. I look at the the print situation, a lot of that stuff was public. the chat with Bozem, a lot of that stuff was public. And then you just you got nosy people out here and your stuff. So yeah, and then and then the one last piece on the funding piece. What does that mean? If a person has a trust but they haven't funded it, what is that what does that mean? Jackita Bass: That's what I mean. That empty bank account is just sitting there with nothing in it. And so William Smith: okay okay, okay. Jackita Bass: when you fund your trust, most people like to fund their revocable trust with their property. So transferring the deed to their homes into William Smith: Gotcha. Jackita Bass: their trust. But they can also William Smith: Okay. Jackita Bass: transfer other assets, even personal property as well. William Smith: Okay. And that is one of the things that at Fed Legacy, when we were building Fed Trust and Wills one of the things that we saw with a lot of folks that were coming our way was they will have these trusts, but they didn't know what was in it. Or they thought it was funded, but it wasn't funded. Because most attorney firms will they'll take your fee, but then the funding piece, there's a lot of moving parts. I mean, you got your TSP, you got your FEGLI you got your life insurance policies, you got your real estate. And so a lot of that stuff is a lot of moving parts. It can be. And so a lot of attorneys who they do the upfront part, but managing a person and making sure they put all that stuff into that trust is a quote unquote a lot of legwork for the attorney firm. But for us, the difference between with us is a lot of times when if you're a client of ours, we already have a lot of that information already. And so it makes it a lot easier for Jackita Bass: Mm-hmm. William Smith: those listening. Thanks, Jackita for that. Jackita Bass: Mm-hmm. William Smith: Bradley, I want to bring you into the conversation. What's up, man? I'm good. Bradley Tramel: How you doing, bro? Doing good. William Smith: Yeah, man. Question I got for you, man. Why do people keep putting this off based Bradley Tramel: So William Smith: on your experience and your people you talk to? Why do people keep putting off Bradley Tramel: Man. So there's several reasons, but the three biggest reasons that I hear most often based on the client that I'm speaking to, it's overwhelming, it's it's confusing, and it can be intimidating. Those three things specifically. I've had clients tell me of the fact that they want to get it done and they know that they need it, but the time it takes to get the information together, then going to sit down with a lawyer. And you know, when you go to a law firm, there's gonna be some legwork required. They're gonna be strict on their fees. And they're not going to be able to bypass any of those. And there's just a lot to be done that people who are usually around the age of our usual target audience, they just don't want to do. And they shouldn't William Smith: Yeah, yeah. Bradley Tramel: have to do it. And that's why, we have a different process, here at Fed Legacy. We hold your hand just like you stated in the beginning. Cause we want to make sure to take off a lot of the load so you can get this done. Because the primary thing we want to do is make sure that your family and your legacy is protected. I've heard too many stories about arguing. between family members when stuff had to, cross into a legal type of review when they didn't have anything in place. And those types of stories that I've heard where families have just stopped talking to one another over things that were left behind and the contestation and all these things that happen with the process. If we can do something to help them, you know, get something in place that would prevent all that, that's the best thing to do. William Smith: Nah, I agree, man. And I one thing I love about the conversations I, hear you all have or when I'm talking to clients who have talked to you all, the thing I love is the dreaming that happens. Like I oftentimes talk about when a client comes to Fed Legacy, they come to us and they're oftentimes afraid. Right. The fear is, am I gonna be able to retire, Mr. Smith? Am I is it is this gonna work? I'm I'm kinda shy about telling you what my TSP looks like. my social security. Am I gonna be able to there's a lot of fear. And it it don't matter. I was talking to a c two clients last night, they have two point eight million dollars in their TSP combined. They were like, Yeah, when we first met with you, we were super nervous. And so most people come to us, they're nervous, they're fearful. And then they go to this when we when we show the path, they come with excitement. They're like, wow, wow, this is this is possible. And then it then they get curious about, wow, what's next? And that's where we drive our clients. And so what I love about what you all are doing. And when you said you see families fight over legacy, it's creating that path. what do you want young Alex to have? What do you want your nephew Jackita Bass: Mm-hmm. William Smith: over that's going to Morehouse to have? What do you want, and so I love that. I know Jackita was talking to a client the other day and they were talking about how the nieces and nephews, a thousand dollars a month going to the nieces and nephews, right? Just curating, curating the way your wealth is sprinkled out even beyond while you're living. Can y'all talk a little bit about that? some of the stories that you all have experienced and what that meant to that client at the time? Jackita Bass: Mm-hmm. sure, sure. I just I had a client earlier today. and you know, she was just thinking, she said, you know, I don't have all the answers. I'm not sure exactly who I want to be, my trustee or who I want to execute my will. but what I do know is that I want to leave a legacy for my grandchildren, my children's children. in their children. And in order to do that, I want to have it so that the property stays within the family. I wanna make sure that they're taken care of as far as once they're going into college, once they graduate college or want to put down a purchase a home, put down a down payment. I want to be able to give each of them ten, fifteen, twenty thousand dollars in order to do that. She started that call by saying she didn't have much. And I hear this a lot. I don't have much. You know, I have a hundred thousand in my annuity, or I have, you know, I have this, I'm retired. but I always like to say, yes, you do. You have more than what you think. and you have more than most, as a matter of fact. And so William Smith: Yes. Jackita Bass: how do you want to leave that? What legacy would you like to leave behind? So at least your children's children will have a stepping stone. And so those are, and at the end of that conversation, she was just like, I feel much better already. And that's that's usually what we hear. We're, William Smith: Yeah. Jackita Bass: you know, we're walking in their footsteps, helping them to leave that legacy to their family. William Smith: Nah, a hundred percent. you know, one of the things that I the things that I always say w especially when I started Fed Legacy was the whole vision of Fed Legacy was not just to leave wealth, that's great. But we want to change we want to change the habit of money and how we look at money. Once you change the habit, that habit becomes a system that goes throughout that family, right? And so when you have a let when you're leaving a trust and it's specific, like let's just say call somebody's name April. When April graduates from college, that one, what does that do? That tells April, hey, we want you to go to college. Now it could be trade school or other stuff, right? But hey, this is the direction that we go, right? We want you to go to college. And then when April buys her first home, when April gets married, not saying marriages for everybody, but just you just you're still able to, even when you're gone, you're still passing on key points. and you can get super custom. And that's what I love about those conversations. Because it's one thing to receive 500,000 cash, but it's another thing to receive 100,000 for this, 100,000 for the business, a hundred hundred, you know, and it's more customized because it's teaching even in the afterlife. And to me, I love that. And so here's what I want for you all to sit in the chat. for our Fed Trust and Wills team that you just met, if you want to book a call with them. The first thing we do is we have what we call our discovery call. On that discovery call, we'll take you through it just getting to know you, right? Just making sure it's a good fit, doing what we're what we're just talking about, asking you questions, around what do you w what do you want? How do you want your legacy to look beyond retirement? And it's open-ended. There's no right or wrong. It's it could be, I want to donate money to my sorority or my fraternity. It could be. I want money to go to my church. I want money to go to my church and my kids. It could be, we want, we just want you to dream of what's possible. That's the first call. On the first call, we get all the information. On the next call, we take everything you said. We meet with our team of advisors. We put together a sample trust plan for you. And then we walk you through it on that second call. And on that second call, we'll look at if it's possible, we'll we'll tell you it's possible. If it's not, we won't. We excluded until you it wasn't, but here's how we need to modify it. And we'll walk you through what that sample trust will look like. And then from then you decide if you want to go with it. And then we go into the part of we is a third call where we go really deep and we get official with it and we really go a mile deep. And that's a longer call. But our first two calls is our discovery. The first call I want you to sign up for if you're here on this, webinar tonight. And we're gonna put the link in the chat is sign up for a discovery call. You'll get to meet Jackita or Bradley, right? And they'll walk you through our discovery call. They'll get to know you. they'll go through what's possible. Again, there's no right or wrong answers on that call. And all that call is about is the dream and what's possible. And then a couple days later they get with you and then they'll they'll walk you through what your sample trust will look like, tell you what it will cost you to do it, and then we go from there. So what I want to do now is I wanna go into Q&A Any questions you all have for Jackita, Bradley, myself, please, please ask them now. okay, the first question is I already named beneficiaries on my TSP and FEGLI Do I still need a will or trust? Bradley, can you answer that? Bradley Tramel: Sure. the way that that beneficiary system works, there's straight transfer on death. Now, if you had plans to align them with your trust or with another asset that you place within your trust so that specifically those beneficiaries receive certain funds as Will stated, and you have conditions, then the trust would be the better vehicle. But with if you just plan for them just to receive the benefit of those accounts, whenever anything happens to you, then you're perfectly fine and a trust wouldn't be necessary. But if you did have wishes or conditions, it would be best to use a trust in that situation. William Smith: Yep, that's a great answer. And going back to what we were talking what I was talking about earlier about the habit of wealth and teaching beyond that is one thing to receive $500,000. Is a difference to receive and and then well, let's say you have three kids. Or I need easy math. So say you have two kids and it's $500,000 and you you gotta leave them all $250. There's a difference between leaving people just $250,000 with no strategy attached to it, you know, or real estate where They gotta split the real estate in half. And that just I I've I've seen situations where sisters become enemies overnight. Jackita Bass: Mm-hmm. William Smith: And it starts off like, yeah, my mom is this and that. No, I'm gonna do the right thing. I'm gonna do this. Then that money hit the account or that D changed. Bradley Tramel: Yeah. William Smith: And I'm sitting there with them and I'm looking at them. I'm like, what you they like, well, she did. Well, I was the one that was there when she passed, and then and all this justification kicks in. I'm like, you just said to me a month ago that you was gonna split this up. But once that money hits the account, things change. And so you just wanna make sure that you have, that direction built in there. But there's also things like the healthcare directives, things like that, that make a dip big difference as well. what's the next question? Okay, how long does it take to get everything set up? Jackita, you could answer that one Jackita Bass: Sure. you know, it can take as little as four days if you're ready to go. you know, very clean cut. You know your wishes, you know your beneficiaries and who you want to represent you if you become incapacitated and in various things, but it can also take up to you know, a month or so. just depends. The one thing I always like to remind clients is that this is yours. This is your process. This is your trust. This belongs to you. You don't want to let it linger. So, but you definitely want to take the time to choose those trusted people to represent you. And so, in order to do that, sometimes you have to go and find those people. Or make some phone calls and and ask, would you be responsible to to execute my will or to to be my trustee and those types of things. So as little as four days, as long as a month, two months, three months. It just depends on you. But you don't want that to linger because what would happen if? So we want to make sure we we have that. Answered. William Smith: And and we run across it all the time, that people that have these things in place and they started it as half funded, it's not all the way funded, and we're helping them, you know, get all the documents together. And so that's it's a is it like and Bradley mentioned it earlier, like the the the the age range of most clients that are setting this up. Well, it's changing now because you know, COVID made everybody computer savvy, but some people just are not. And when it comes to electronically scanning documents and things like that, it could be a heavy lift. But it's something that we prioritize in our trainings here at Fed Legacy and Fed Trust and Wills that we make sure that we're helping those folks. And a lot of times, people that meet with us, a lot of times that stuff we already have it, or we a lot of the clients that we meet with are similar. So we understand that demographic. One question that I have for you all: can we can we talk about if a person has real estate in different states? Whoever can answer it. Like, is that is it possible if I have real estate in different t states? To put all of that under one trust Bradley Tramel: Absolutely. Absolutely. If you have multiple properties, we can accommodate that per deed. They can be added to your estate according to your wishes. And if you wanted to have special plans for those properties, let's say if something happened to you, you wished it to be sold or you wished it to go to a specific beneficiary. All those things can be itemized and specified within your trust. William Smith: Right. That's a that's good to know. Go ahead, Jacquini, you wanna jump in on that? Jackita Bass: Yeah. I was just gonna say this one thing because this is this has been a hot topic in the news. This is something that I've dealt with with clients, clients up north or out west, but they have their family have left them property in the south or or another, you know, the Midwest and and acres and acres of land. and it's vacant and they're not even sure, whose name the land is in and that sort of thing. And there are a lot of vacant land scam scams out there right now. And so I just implore upon our clients, find out, talk with your family, find out where that land is, put that land into your trust, transfer that deed so you will know and it will stick with your family going forward. Because they are taking land every day. Now what they're not doing, they're not building any more land. So you want to make sure that that stays within your family. William Smith: You you so right. I got a friend of mine right now and her family's fighting over land. they literally Jackita Bass: Mm-hmm. William Smith: fighting over land. And I mean it's like I mean, like, look, y'all in y'all fifties, like, y'all better hurry up and build this retreat that center that y'all talk about wanting to build, because you know, time time keeps going, you know, and like you're fighting Jackita Bass: Mm-hmm. William Smith: over this land, you're losing time. But if the dad would have had an estate plan and said, Hey, this is what I want the land to be for, or I want it to go to this sibling and I want this pr money to go here. you don't because what stops people is everybody split everything 50-50, 33, 33, 33, or 25, 20, 25. And so now you have all these people who have these differences of opinion and everybody's right, and everybody gets into this click, and then all of a sudden nothing gets done. And all of a sudden, then it goes to the kids, and it's still a process. And so having a trust helps things get done. And so that's super important. and so So yeah. And so if you haven't, if you if you want to book a call with Jackita and Bradley, click the link in the chat, put plan in the chat. Our team will reach out. And again, that first conversation is just a discovery call where we talk about this. If you got land, we talk about we we want you to think about how do you want that land to be unpacked. And they have a ton of experience. So they'll be able to unpack possible scenarios with you. And then what we'll do is we'll take all the information that you give us. We'll create a sample trust plan for you and then we go from there, right? And so again, we've we've tailored this pro we've tailored this process to you as federal employees. I personally, again, have been doing this 18 years. So I've seen it all. I've been to funerals, I've been to, I've talked to people about family members dying. I've had clients who would pass. And having this estate plan in in place makes that, you know, makes that a whole lot easier. it's one thing to build up a lot of money, which is great. That's the that's the whole job of what we do at Fed Legacy, is to make sure that that pot is full and we're passing this money on. But after that, you want to make sure you direct it in a way that makes sense for you and your family. Cause you worked hard, and so you should you should be able to stay in your family. Bradley Tramel: I think it needs to be underlined for the people listening. Some of our biggest motivated clients are those who have been through the bad side of this process. Jackita Bass: Mm-hmm. Bradley Tramel: A lot William Smith: Okay. Bradley Tramel: of the generations before us had the belief that a will was enough. And when they had to go through the process of getting things frozen or the time it takes just to get their hands on the assets that should belong to them, they tell me automatically, Brad, I don't want that for my son. I don't want that for my daughter. And so Jackita Bass: Mm-hmm. Right. Bradley Tramel: that's why I want to get this done. And that's one of the biggest motivators. So if you know people like that or if you have been through it yourself, think about that time. Think about the money that's that's wasted in that process. And that's what this will prevent. William Smith: Okay. I want to just say, look, I appreciate both of you all for coming on. I appreciate y'all. Y'all do great work. and I appreciate all the people that joined us tonight. very important topic. A topic that doesn't get discussed more often than not. We'll be bringing Bradley and Jackita back once a month to join me on these calls to update us on some of the stories that they hear. Anything that any new legislation that gets passed, you know, we'll be we'll be here. We want to make estate planning. An important part of the journey of Fed Legacy. Again, when people come to us, and that could be you in the chat. Most people are afraid, confused when they meet with us. And that's okay. It's honest. It's like when you go to the doctors, you haven't been in while. You don't know. You feel good, but you don't know. Right. But then when they give you the good news, then there's some excitement, Jackita Bass: Yeah it is. William Smith: And that's okay, right? You get excited because you've worked long and hard. I can tell you again, I told you about the client, the couple that had over $2 million and they were they were too stressed and not unsure when they could retire. and and and it doesn't matter how much you have, right? You could you could be a person has a hundred thousand in your TSP and I've and I've met plenty of people that have a hundred thousand, less than a hundred thousand, and they said, Ms. Smith, I'm gone. I'm retired. I'm I don't care how much I got. And they retired and we work with them together and just make sure they had the strike strategies. And they're still retired and they're doing well. It's Jackita Bass: Mm-hmm. William Smith: not about how much money you have, it's about what is your plan. Because what robbs people in retirement the most is peace of mind and stress. Because you're just not sure what's around the corner. And that stress causes people to get sick. It causes people to work longer than they should, all types of things. So it's okay if you're afraid. We've worked with tons of people. The next part is we want to bring you to that place where you feel that level of ex of excitement. And then the last piece, because you don't want to stay in excitement, the last piece. You want to get curious about what's possible. And that's what birth Fed Trust and Wheels, because now we're talking about what type of impact can I leave beyond just the money? And that's the conversation that Jackita and Bradley have with people on that discovery call. So if you're that person that's curious about what's next for you, how do you direct this? How do you how how how do you fund that foundation that you want to start? How do you help your church do better? How do you, you know, teach lessons to your kids beyond retirement? How do you divvy up the real estate that you have? So that everybody has a piece and for a reason, Book that call. Attend the last Wednesdays of every month. We'll have Jackita and Bradley on. But more importantly, just book a call with them, get to know They know their stuff. And and appreciate all of you all for showing up today.