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Life Beyond the Retirement Number with Andy Schelitzche | Financial Planner Search · Financial Planner Search

• Gregory Wilnau: Andy, thank you so much for coming on the podcast today. How are you doing today? Andy Schelitzche: Well or you? Gregory Wilnau: I am doing great. I've been excited to talk to you. to Andy Schelitzche: Yeah, it should be fun. Gregory Wilnau: yeah, I'm looking forward to it. So to jump in, maybe you could tell us a little bit about your practice and kind of what you guys do and and what you specialize in. Andy Schelitzche: yeah, so we're primarily located in the Minneapolis metro area and we've got another office in the Chicagoland area. And I the I think the biggest thing I would just I would describe it as we're we are a comprehensive financial planning firm. So we do we're heavily financial planning based. we work with a lot of local and regional CPAs and and estate planners as well to try to really solve holistic problems for our clients. Gregory Wilnau: Yeah, so you guys are kinda like the quarterback that brings everything together too. Andy Schelitzche: Hundred percent. Yep, that's a great description. Gregory Wilnau: I I love it. Okay. All right. So maybe you could talk a little bit a little bit more about what inspired you to kind of do this. How did you get into this line of work? Andy Schelitzche: I think like a lot of kids, I had no idea what I wanted to do when I got o out of high school. So my mom you're right, I think a lot of us. Gregory Wilnau: Yeah. Guilty. Yeah. Yeah. Andy Schelitzche: I I for whatever reason I knew I wanted to get away to sch from school. So I ended up leaving Minneapolis. I grew up here, but I went down to the University of Illinois. I got in Champaign. I got there because I was good at math and science. My mom said be an engineer. said, okay, that sounds great. I had a great engineering school. I went down there and fell in love with the sch with the school. A year in I realized engineering was not anything I wanted to do. and So I had always had an interest in ma in finance and the markets. My parents actually had an advisor growing up. And while I wasn't heavily involved with that, I was a kid. I got to see a little bit from the background and how it helped them get to where they wanted to be. My dad had created a small business when I was very small. And I saw them get help with that. It obviously helped them save for me to go to school and and and whatnot. And so my sophomore year, I took an internship actually with that advisor, learned more about the industry and just kind of fell in love with it. So Gregory Wilnau: wow. So you interned with your dad's financial advisor? Dude, that's awesome. That's awesome. Andy Schelitzche: Yeah. So yeah. So I I don't I looking back, I think he was kinda like, I don't really have much for him to do, but sure, come on and see what this looks like, you know. And so yeah, it was I just I fell in love with the industry there. and so when I got out of school and I graduated, I r I originally went right to a mare prize, which was one of the main places you could go as a young person to just kinda get started. And I really started my career there and got great training and things have just kinda gone from there. So That's how I began and got here. I think the biggest piece that I would say I never really expected is I think people get into the business thinking, okay, I'm gonna work with clients and maybe I'll have an admin someday or whatnot. I don't think people understand the business building and business part of this, especially on the independent side of the of that. So I where we're sitting now is no nowhere I ever imagined myself. I thought maybe I'd be sitting in an office with like my one admin who would help set meetings. And Gregory Wilnau: Yeah. Andy Schelitzche: so it's it's a different. there's a lot, you know, I kinda do a mula multiple jobs now, but that's really how I got here anyways. So Gregory Wilnau: How many households do you serve now? Andy Schelitzche: probably around four fifty, I think, all in. No. Gregory Wilnau: Wow, congratulations. That is definitely a little bigger than what you were planning when you started, isn't it? Andy Schelitzche: Yeah, well I've got a lot of help now. So that's that's the main di I don't think I ever would have been able to do th that's not a a realistic number when you're working by yourself, but we've got a lot of great folks. So yep. Yep. Gregory Wilnau: Yeah. Well, one day at a time, you know, and everything has its time and and place. You can't do everything at once, Andy Schelitzche: Does. Gregory Wilnau: you know. You gotta take it as it comes. All right. Andy Schelitzche: Yep. Gregory Wilnau: Okay, so now that we know a little bit more about kind of what you do and kind of how you started, maybe we could talk a little bit more about who you work with. maybe you could take a moment to describe the typical type, the the type of person who typically comes to you. What's the situation that they come to you with and that You kind of lead them through. Andy Schelitzche: Sure. yeah, so I would say we work primarily with professionals from really from many, many different backgrounds. So from doctors to lawyers to tradesmen to you know, really tech, anything under the sun. A lot of small business owners we work with. and I I think what as I think about what ties all of them together is And it's part of the reason I I love this industry is personal finance affects everyone. In you know, that's i in every part of our daily lives, it's you're dealing with finance in some way, whether you're paying your bills or you're pay buying Starbucks or you're doing whatever. the reality is, is most people don't want to spend a lot of time thinking about this. They have a lot of the things that occupy their time that they would rather be thinking about, and if nothing else, this causes them stress. And there's a lot of uncertainty about are they doing the right things? Are they on track for what they want? and while there's tools and there's things that can help you do some of that stuff on your own, it is there's still a lot of uncertainty. And so what typically ends up leading folks to us is an event in their lives, I think that that Triggers them to say, okay, I've I've really got to start taking this a little bit more seriously. A lot of people think about this stuff for a long time, but they don't actually take Gregory Wilnau: Mm-hmm. Andy Schelitzche: the time to go find someone and it's stressful to go find someone that you're gonna trust. I tell people a lot, Gregory Wilnau: Absolutely. Andy Schelitzche: I mean, the reality is, is money is probably the most private thing in people's lives. Gregory Wilnau: Absolutely. Andy Schelitzche: the example I use is think about. the stuff that your closest friends will talk about with you, but they won't talk about what they make or how much money they have invested or those sorts of things. Those are usually the most private things they have. So when somebody is looking to go and actually divulge and talk in more detail about that with someone, it can be stressful. And so kind of going circling back, I think what it really means is that There's something, whether it's a job change or there's a you know, a significant event, the birth of a child, or you're buying a house, or you're getting married, or your your retirement is coming, you know, way faster than you thought it was. And you're and now you really have to get serious about it. There's always something I think that finally drives people to come and and talk to us. And I have yet to have somebody come in and say, Well, I probably should have waited longer to do this. Every single person is like, God, I wish I would have done this five years ago or 10 years or whatever. But it's usually it's it's that thing that drives folks. And there's just that that moment in time that finally gets them to make the decision to actually just sit down and talk with someone. And so my advice to anyone out there who's looking for an advisor is. If you're even contemplating it, is sit down and talk with someone doesn't mean you have to start the process, but see if it's something that's worthwhile that can actually be a help to you, put you on the right path and take some of the stress out and the uncertainty out of this stuff. So I just I think this, you know, as you ask who we're working with, I just think of our clients as just normal people. I mean, they're they're hardworking. they're they're folks that are are trying to achieve, you know, just normal goals like a lot of us are. They're trying to put their kids through school, they're trying to retire at a decent time, they're trying to run a business, they're they're trying to you know, what we've seen a lot of lately is help their parents with finances as their parents have aged. Gregory Wilnau: Yeah. Andy Schelitzche: you know, there's the some of the sandwich generation stuff that's going on. So I think it's the simplest way I can put it is If we can help people take the uncertainty out of what they're dealing with and know that they are doing the best with what they have and that they are on track for for dealing with these issues so that they can spend their time thinking about and doing the things that they enjoy rather than stressing out about this stuff, that's where we see most of the value. So Gregory Wilnau: I love it. All right. So let's maybe dive into a little bit more of what some of these conversations actually look like. what are some of the questions that your people will typically ask you when they meet with you for the first time? What what keeps them up at night? Andy Schelitzche: the the big one is I mean, this the the one that affects everybody obviously is retirement, right? Is it it's I'm am I on track? And I I think about those it was it Fidelity that had the old commercial from years ago where everybody had like a number as they were walking around or whatever and it was, you know, what's your number and and that sort of thing. And and there's a lot of uncertainty on that is am I on track? Do it you know, is it realistic for me to for me to ever retire? That's a big one. And I think the this is where planning comes into it as is the biggest piece of that. I just had this conversation this morning with another client, which is It has almost it's almost entirely about what their lifestyle is and what that costs. I mean it's the number, you know, what you have saved and you know, do you have a pension and what's social security gonna be and some of these other things, what's your tax situation gonna be? All of that plays into it. But in the end, it's what does it cost for you to live? What are you doing? If you and your neighbor can have the exact same amount of money, but if you spend your money completely differently, those there's a different, you know, how Gregory Wilnau: Absolutely. Andy Schelitzche: on track either of you are is completely different. So that's a big one. There is you know, for any savings goals, those are always kind of the same as am I on track? But another big one is what happens if something happens to my spouse, you know, or the breadwinner? How are we okay? Like what does that, you know, do we have to plan for some of those eventualities? We We deal with, I mean, we've had clients who come in, they have special needs children. So what happens to my child if we are no longer here? What does that look like? And how do we plan for that? And so from a business owner standpoint, because again we look work with a lot of business owners, I think that one is every business owner is focused on their business almost entirely. They want to spend as little time on the rest of this stuff as possible. They understand Gregory Wilnau: Yeah, yeah. Andy Schelitzche: benefits and things like that are important for their employees and for their employees' well-beings. They don't want to spend a lot of bandwidth thinking about it. So from our standpoint, it's how can we take care of your employees, take care of you, make sure this is as as efficient as possible, and give, you know, take all of this off your plate so that you can spend the time thinking about your business and and focusing your attention there. So it's I think the biggest misconception with our industry, just in general, when the average person comes in, I think just they've been told so much of it is about is about the investments, right? Well, how do I invest or what do I, you know, Gregory Wilnau: Sure. Andy Schelitzche: can I get into the SpaceX IPO, right? It's like this it's like that stuff. Gregory Wilnau: Yeah. Andy Schelitzche: And I think when they come in, they realize and we start to talk about this stuff, they realize how many other moving parts there are to this Gregory Wilnau: Mm. Andy Schelitzche: that that make up I think where the true value in working with an advisor comes from, which is understanding every part of your financial situation and then making the appropriate adjustments or changes so that you can maximize, you know, what you've gotten and make sure that you're on track. And and sure, investments is part of that, but it's not it. That's it's the it's the that's one small piece. So Gregory Wilnau: Alright, let's let's talk let's go into that a little bit more because Andy Schelitzche: Yeah. Gregory Wilnau: what you're saying I think is is important. it's around expectations and you know kind of what it's actually like. So in order to make these custom tailored recommendations, you have to intimately know you know your client, right? And that that that comes over time. And we'll talk more Andy Schelitzche: Right. Right. Gregory Wilnau: about how you work with clients over time here in a moment. But what are some of the ways that you get to know your clients as as individuals, what was that what does that look like? Obviously everybody's different, but is is client education a big a big part of this? Help me understand more like like how you how you get to know people. Andy Schelitzche: Sure. I think it's it's imperative that we get to know our clients and know them very well. I mean, if you want to put it simply, I think if you're gonna pick an advisor or work with an advisor, you've only chosen right if it can be more or less a lifelong relationship, right? Or at least it, you know, for as long as that advisor is around or that firm is around, if you've chosen wisely, they're gonna be working with you for a very long time. This isn't a transactional thing. And so, So from that aspect, I think it's it's a must that that you know your client very well and what's important to them. And so when we're having even initial conversations with clients, very little of it is about how are you invested or you know, how much money do you have or any of that kind of stuff. What we care about more is what are the things that are important to you? What are you trying to get done? What are the things that stress you out or about finances? What are the things that make you worry or keep you up at night? you know, those are the things that we want to know. And then from a, even as we're talking about it from a retirement standpoint, we want to know more about what are you going to do? What are you going to spend your time on? it's the money is is just that's sure, that's how the bills get paid. But what are what does that look like when you are done? I have a lot of conversations with clients. It's it's it's interesting that so much of this is psychological and and I think emotional around money. And Gregory Wilnau: Absolutely. Yeah. Andy Schelitzche: I can't I can't tell you how many clients I've had that have put off retirement because they literally just don't know what they're gonna do with their time. And when you've spent 40 plus years doing, you know, when your work has defined you. even if I sit there all day every in every meeting we get together and say you could retire today and you never have to worry about money. That that isn't that's not like Right. I mean it's right. Gregory Wilnau: That's kind of a scary thought. Like what am I g what am I gonna do now? Yeah. Andy Schelitzche: And so we actually start coaching clients we have now for years where, you know, f in the years up to that point when we think we're gonna be done, it's what does that look like? What are you gonna spend your time? People have big ideas, right? They go, I'm gonna, you know, especially up in Minnesota, we're like, we're gonna snowbird. You're down in Florida, we're like, we're gonna, we're gonna be down in Florida three months a year. Like, we're gonna we don't wanna be up here in January through March. so there's a lot of people who do that, or they go to Arizona, or they, you know, so that's a big thing. or I'm gonna travel more, or what, whatever, right? There's these things that that people think about in in general terms. But what I always focus on is what are you gonna do at 10 a.m. on Tuesdays? You know, like what are what's your normal day gonna look like? What are you gonna fill your hours with? And there's a million different things, but I can't answer it for clients. They gotta do that themselves because everyone's different. Is it hobbies? Is it grandkids? Is it volunteering? Is it a part-time job? Is it what like whatever it that is? And so that I think goes back to knowing your client very well. kind of helping guide them to the things that they are that are important to them and what that they focus on and that they enjoy. Because in the end, that's what they want to that's what when we're trying to help people retire, it's not so you can be miserable for 20 years. We want you to we want you to be able to be done with work. You've done all this work all the over the course of your life. You've got, you know, a lot of people have scrimped and saved and raised kids and sent them off to school and done all this stuff. And then you get to kind of the finish line, it's like this should be a time that you you can sit back and enjoy and and really live life. And so what does that look like? and I think it's it's a little bit different for everybody, but that's we try to kind of flush that out you know as we go. So and I think you can do that as we're having discussions with clients, I think that applies to really any goal that somebody has is why is that important? Okay, I want to pay, I want to I wanna pay for my kids to go to college. Why? Why, why is that a big deal? Or you know, I you know, I'm trying to think of another good example, but even like with a small business, right? I I want to expand my business. Why? What's what's the reasoning behind that? And so understanding why these things are important to clients, money is just a a a tool to make those things happen in the end. So yeah. Gregory Wilnau: Absolutely. Well, it sounds like you kind of get your your clients prepared and thinking about this by prompting their brain with the right questions. Right? Yeah. Andy Schelitzche: Try. Yeah. Gregory Wilnau: Yeah. Well it's always good I think to to have that, somebody to kind of coach you and help you along and and keep you accountable, but also asking you what you truly want. So Andy Schelitzche: Yeah, and I I think, you know, sometimes I don't think people have have thought about all of these things together and and even prioritize them, right? So a lot of times people have multiple goals. And what we oftentimes will tell clients is our job is not to tell you which of these is the most important. Our job is to tell you how what is it going to take to get these done. And in many cases, we might not be able to get all of them done in the time frames that you want. It's just not a realistic expectation. So if that is the case, then we have to start talking about which one is more important. Focus on that and then go to the next one and so on. And it's, I think it's a helpful exercise for all people to understand where is their focus, what is most important. A simple example would be. If you have somebody come in and say, hey, I want to pay for my kids, you know, I have three kids, I want to pay for all their college 100%, and I want to retire at 60. You know, we go through the numbers, and if that doesn't make sense where it's not realistic, then something has to give. And so is 60 the thing that's the priority, or is full college the priority, or is there something in, you know, is there something in between? But a lot of times people haven't really flushed that out and thought about it. And so, it's I think it's just a good exercise for anybody. Whether they're working with with an advisor or not, I think just thinking about your own situation on what drives you and what's most important is it's good to have those things fleshed out. Gregory Wilnau: Hundred percent. Where do you typically find your clients? Where do they come to you from? Andy Schelitzche: it's I I'd say the vast majority now are referrals either from existing clients or we or we have a pretty big center of influence network. So I work with a lot of CPAs and estate lawyers. and so we've maintained contact with a lot of these folks over the years. I did a lot of work over the last five plus years in expanding that work network. So I Selfishly not necessarily even just to get referrals, but more just so I have resources to send folks to that I know that these people are good. Where 'cause we get asked a lot of times, who do you know that can put together a trust for me? And or, you know, who can I talk to about an estate plan or I mean the other I mean on the tax side of things the CPA market is shrinking. Finding new CPAs is not easy that are taking new Gregory Wilnau: Interesting. Andy Schelitzche: clients. So it's it's difficult and taxes aren't going away. So we need to we need to make sure we can keep helping folks with this stuff. But that's where we're finding most people. We have some people we try to stay active online just to make sure with that we're you know people can find us and whatnot. So we get people that come online and look you know that want to come in and chat and and so on. But It's I think the other piece, what we've tried to do, we've actually got one here on Thursday, is we do a lot of client events. So nothing that's where we're sitting there and doing a boring presentation. It's more fun and what we we do is yeah, it's we don't Gregory Wilnau: Educational too. Fun and educational. Andy Schelitzche: do the educational stuff so much, it's more just like we're going to a horse track on Thursday, right? And so Gregory Wilnau: whoa, that's way better. No. Andy Schelitzche: but it's you know what we've done is It's a way for us to just go out and have fun with clients outside of a business environment. But what we found over the years is that we encourage clients to bring friends or family or people that might want to meet us to those events. And the r the reason is not so that we can sit there and you know talk finance with them. In fact, we tell them at at the event, we're not talking any business here. This is a this is fun, you know, enjoy dinner, enjoy the horses, whatever. Gregory Wilnau: Hang out. Andy Schelitzche: but we can it gives them a a very simple way to meet us in a a easygoing environment and then if they want to come in and set a meeting down the road they're welcome to but It's I think a lot of times, as I was saying earlier, even when people have those things happen that make them want to think about finding an advisor, it it's sometimes hard to know where to go. And so that we found is just a very soft way of introducing folks, you know. And you'll hear a lot of advisors say, I mean, when you've got great clients, they'll typically r you know, introduce you to other great people because they have friends that are like them. So that's those are the folks that I want to meet anyways. So Gregory Wilnau: Yeah. Yeah. Yeah. Well I I love that. I love that you focus a lot on the relationship piece. I think that's really powerful. Andy Schelitzche: Mm-hmm. Gregory Wilnau: and and locally, your local community. I think that's really great. all right, let's talk a little bit more about, you know, the future and your your practice. where do you see it in the next few years? Like what's your vision? Are there any goals you're working on? Andy Schelitzche: Yeah, it's it's kinda strange because I as I alluded to earlier, I I didn't really imagine ever being in this position. I mean we've got an incredible team of people that that work for me and and they are very Committed to the career and they're professional and they care about all of our clients, and it makes it makes it a joy to work, to be honest. And so I got a business partner at Adam Grantham, who's you know, he's the best advisor I've ever met. so him and I are the are the two main advice givers within the practice. and we've what's been really nice is that we have the same vision for what we want to do. We've never had a disagreement really about. where we see this going, which is really rare. I mean, it's it is Gregory Wilnau: I that's awesome. Andy Schelitzche: right. I mean, my dad and my uncle owned their business together for years. I'd see them butt heads about stuff constantly, right? So and it it was fine, but it's just it's made it very easy. And and I and where where Adam and I talk about this going is we have fun with this and we know we love working with the clients and we love helping folks achieve what they want. that being said, We only have so many hours in the day. So I there's only so many clients that I can meet with. And same for him. And so we've also noticed that there is a very the barrier to entry to this industry is very difficult now. It was it was difficult 25 years ago when I started, but it's it's even more so now. There's fewer companies that are bringing in young folks. It's hard to get established, much less get good training. And so We are actively hiring and bringing in new folks. And whether that's j that's we've just really started kind of bringing in new junior advisors and training them. We've got younger folks that we brought in whether whether it's in planning department or in operations and whatnot, but We want to continue expanding and being able to bring we've feel like we've got a great process and we've got a great team. And so the more people we can bring that to, the more people we can help. And so if we can bring new people into the career and watch them grow and watch them do great things, it's it's what keeps this from getting it's I don't want to say boring. It's I mean, I love working with the folks that we do, but it it's it's the next challenge. It's what's the next thing that we can do. Gregory Wilnau: Yeah. Yeah. Andy Schelitzche: So we recently Ye right. Gregory Wilnau: So probably not boring. It's also like fresh and relevant and, you know, feeling new and exciting and Andy Schelitzche: Yeah. And so is there are there new and better ways to do this? I mean, are there are there new tools that we can use? Are there are there you know, we you know, I I used, you know, we started using AI to take up do all our note-taking, which is one of the greatest things that I've had come through in years. Gregory Wilnau: It does make it easier. Yeah, that's Andy Schelitzche: It does and it well makes us better, right? I mean Gregory Wilnau: for sure. Yeah. Yeah. Andy Schelitzche: it's I miss you know, there it's just there's simple things like that. So, we're excited. So as far as where we're gonna be, honestly, five years from now, I would be shocked if we don't have double the staff that we have today. because we are actively growing and we've been growing at a big clip and we're actively bringing on new people. We we for the first time this year we we're We brought in interns for the summer. I think we're going to do that every year. So we have kind of an active group of folks that we may want to just bring in for full-time employment once they're done with school. so it's yeah, I mean it's it's fun. So I it's what it's to me, this is one of the greatest careers in the world. if you can kind of get through the first, you know, part of it and actually establish yourself. So I wouldn't trade it for anything. Gregory Wilnau: So let's talk a little bit more about kind of your process and what it looks like to work with you. So Andy Schelitzche: Mm-hmm. Sure. Gregory Wilnau: if somebody were to become a client today, what happens the first few weeks? Maybe you could take a moment to explain what onboarding looks like and then explain Andy Schelitzche: Yeah. Gregory Wilnau: maybe what it looks like to work with you during the course of a calendar year. Andy Schelitzche: Sure. So typically what we do first is is literally just have kind of a an intro meeting. So that's where even before they become a client, right? It's sit down and learn about the client, learn about what they're really looking for. Are we gonna be a good fit for you? and if both sides of the table agree that's the case, then sure we can move forward. the next step is we have a meeting set with our our financial planning And so She does essentially what it's a data intake. And that is a it's either through a phone call or Zoom. There's some software stuff that goes with it. But essentially the client is then providing all of their financial information to us so that we've got all of that onboarded and put together. typically the the first planning meeting is going to be about a week after that with me or Adam or whoever's the primary advisor on the case. In between, once we have all that data, I then sit down with the planning department, go through that with them, talk about which scenarios and things that I want to see in the presentation based on what the client maybe has questions on or what they want to see. And then when we sit down in that first meeting, we're then presenting and talking about their exact situation, what maybe recommendations and things we can do to to we do it that way so that we're spending all of that meeting where I'm in that meeting with them talking about their situation and not doing data gathering. I don't want to be asking about what their income is in that meeting, right? We've got all that stuff. So that's why we break it up. Right. So Gregory Wilnau: Yeah. Yeah. More it's more of learning about the client and their situation. Yeah. Andy Schelitzche: that data intake meeting is gonna be all about it's not just the numbers, but it's also some of the things we were talking about. When do you potentially wanna retire? When, you know, do you have kids that you want to send to school? Whatever it is. It's and then we get all the family and everything else. And do you have insurance, you know, life insurance? Do you have disability insurance? Do you have all these, you know, what do your benefits look like at work? What are you saving into your various plans? What does your expenses look like? And so on and so on and so on. So all that stuff's gonna be gathered on the front end. and then we discuss and implement on the back end. And then that can involve you know, changes to saving or bringing accounts over and investing and what does that what does that strategy look like and so on. So all that stuff is implemented. If there is accounts and things that are going to be opened or or money that's coming over here for us to manage, we don't do any of that in the meeting. I've got an operations department that will talk about what's going to be done, but then post meeting, that's all done electronically or over the phone with the operations department. So we're not sitting there signing reams of paperwork. you know, in meetings, which I've never found that anybody likes. You ever bought a house? I mean it's like, gosh, you know, I have to sign right. So nobody Gregory Wilnau: Yeah. Yeah. You're there for two hours signing papers, yeah. Andy Schelitzche: I want to be there and spend all my time talking to the client about what they want what they want to accomplish and then how can we make that happen. And then any of the the details will get done, you know, post meeting. So operations handles that. Operations also is who opens all accounts or does transactions and so on, so with clients need money and so on. They're handling all of that stuff so that Adam and I can spend all of our time on advice questions. Clients call in, they need to change beneficiary or they need to change address or they need to take the dollars out of an account. They can deal with any of the departments we've got. If they have a question on what they should be doing, that's when they talk to us. so at a minimum. Yeah, that's kind of the first intake meeting. And then at a minimum, we're doing annual reviews at the same time every year. I I describe it kind of like a dentist's office, right? You you know exactly when you're coming back in for your cleaning, essentially. And I've also said people are about as excited to come see us as they are their dentists. They know it's you know, they know it's a Gregory Wilnau: No, no way. No way. Andy Schelitzche: well it's you know, it's they know it's necessary. I I should say like once they Once they're they're comfortable, I think they're excited to get stuff going in the beginning, but once they know that things are on a good plan, they're like, Okay, well, we're gonna come in and talk about this stuff. It's good. but they're every year at a minimum we do that. And so the this it looks very similar because we're gonna do that planning intake meeting or the data intake meeting again prior to our meeting. But after we've done the initial one, now it's just what's changed, right? What Gregory Wilnau: Mm-hmm. Andy Schelitzche: is is there anything that's different? Here's what you told us last year. Has anything changed aside, or we have to get updated balances on cash or things like that. but it's so we go through that exact same process. So that's the minimum. For some clients, it just kind of depends on what people want. we'll meet with them every six months or you know, however however however often it's necessary. What we've just found for most people is once we've got them on a good schedule, annuals is is Annual is enough for a full planning meeting. And then we basically tell our clients we are available anytime in between. So if something, if something comes up at work and you have a question, call us. If something you have a death in the family or something, you know, and you don't know what to call us, right? So we're available 20, you know, not 24-7, right? We have office hours, but we're here all the time. Call us and we will get back to you. We'll schedule a meeting if we need to. Our big thing is we want to be available for whatever our clients need. But we don't wanna be a bother either. So we're not gonna make them have mandatory meetings at certain times if there's not stuff to really to really go through. But we do like to track progress and make sure that we're on pace for what we're looking at. So Gregory Wilnau: Sure. Okay, cool. But it also sounds like too if they're you guys meet once a year but you make yourself available, so you kinda also act as like a sounding board if your clients have any ideas or any, you know, maybe things that they're they're working Andy Schelitzche: Right. Gregory Wilnau: on or want some guidance around, you're also there to help with that anytime they need. Andy Schelitzche: Absolutely. I mean, it's so a good example would be we do a lot of you know, we do benefits advice. So if you've got new you know, you got your new slew of benefits that comes through in the in the fall, even if we're not scheduled to meet, if you want to talk about what your new health plan options are and what makes sense in your situation, call us and we'll walk through them and and go through them. So that's a pretty typical one. but yeah, it's it is The big thing is again getting people on track so they know they're doing the right things regularly and then being available for as when life throws them curveballs that we're here to kinda help what guide them through. So Gregory Wilnau: Awesome Andy. All right, for anyone who's interested in getting in touch with you or who wants to learn more about how you guys might work together, what should they do next? Where should they go? Andy Schelitzche: I think the easiest thing to do is to go to our website, which is www.manifestplanning.com. And you can click on the the contact tab there. It's got our phone numbers of various offices. You can go to the team as well. It's got all of our email addresses. The the general email is infotmanifestplanning.com. I think the the last thing I would say with that too is it does not really matter where you are based. We have clients all over the country now. if nothing else, I mean, even with this this video. But from COVID, I think everybody got a lot more comfortable with video and and Zoom. and so we are licensed all over the country. And if people have questions or want to chat with us, we're happy to. Obviously, we also like the in person piece of it as well. But happy to chat with anybody that has a question. If even if we can't help, if we can guide you in the right direction or guide you to somebody who can, we'd be happy to. So Gregory Wilnau: Awesome. Well thank you so much for coming on, Andy. Really enjoyed speaking with you and learning more about you and what you do for your for your clients. So thank you Andy Schelitzche: My my pleasure. It was it was it was great. I appreciate the opportunity.