Looking for a financial advisor in Atlanta?
You’re not alone. There are many factors to consider when choosing a financial advisor, and it can be difficult to know where to start. But don’t worry – we’re here to help. You want to find the “best financial advisor near me” or “best rated financial advisor near me“.
It’s important to understand the difference between fee fee based financial advisors when choosing someone to handle your finances. Fee advisors charge for their services in various ways like hourly rates, flat fees or a percentage of the assets they manage. This setup ensures that both the advisor and client are on the page as the advisor only makes money when the clients investments grow. On the hand fee based advisors can earn fees from clients directly and also receive commissions by promoting specific financial products. Knowing these distinctions is key to making sure that your financial objectives align, with your chosen advisors incentives and priorities.
It’s important to grasp the difference between fee based and fee only advisors when picking an advisor for overall financial planning or investment management. Understanding this contrast is key as it enables clients to make choices about how their advisors motivations align with their own financial objectives promoting transparency and trust in the advisory partnership.
Institutions might adopt strategies to assert that they have no potential conflicts of interest in their fee structures. They could use terms like ‘fee based’ or opt for fees for specific services to imply a lack of conflicts of interest potentially obscuring the true nature of how they are compensated.
It’s crucial for clients to have confidence that their financial advisor’s on the same page as them and has their best interests at heart. This alignment is vital, for fostering a relationship where the advisor prioritizes the clients well being establishing a sense of teamwork and mutual objectives.
What services does TARP offer as a Fee-Only fiduciary firm?
Third Act Retirement Planning, a firm based in Atlanta that operates on a Fee basis offers a wide range of services tailored to meet the various financial needs of their clients. These services cover investment management, retirement planning, estate planning and more. Third Act Retirement Planning takes pride in their collaboration with clients at every step of their financial journey starting from setting clear objectives to creating a well thought out operational strategy. Their committed team is readily available to offer assistance and advice to ensure that clients feel empowered and well informed, throughout the entirety of the financial planning process.
How might the terminology utilized by banks or brokerage firms such as ‘fee based’ create confusion for clients when it comes to understanding the motivations of advisors?
Financial institutions like banks or brokerage firms could use terms like ‘fee based’ to muddy the waters for clients making it difficult for them to grasp the nature of how financial advisors are compensated and any potential conflicts of interest that may arise.
How has the prevalence of the fee model changed since a specific organization was established in 1989?
The fee model has seen a rise in popularity and acceptance since the inception of this organization in 1989 indicating a growing awareness of the advantages and significance of fee only financial guidance.
Are there organizations dedicated to tackling the issue of ‘fee only’ practices and advocating for this particular model?
Indeed there are associations that concentrate on addressing concerns related to ‘fee only’ practices underscoring the importance and intricacies associated with this subject within personal financial advisory circles.
What is the historical background and context surrounding the emergence of the fee model, within personal financial advisory realms?
The historical context surrounding the fee model in personal financial advising has been marked by confusion prompting national organizations to focus on shedding light on this matter. The fee approach has become more popular since the establishment of a particular institution, in 1989.
Is a Fee-Only Fiduciary Model right for you?
When deciding if a Fee Fiduciary Model suits your needs it’s crucial to prioritize clarity in the services you receive and the fees involved. A financial advisor should not make their fee structure difficult to understand or include hidden charges that create conflicts of interest. Opting for a fee advisor who upholds fiduciary duties ensures transparent fee disclosure and a commitment to acting in your best interests without being swayed by product sales. This approach aims to minimize conflicts and guarantee that the advisor always acts in your favor. If you prefer an advisor aligned with your objectives focused on offering financial planning rather than pushing products then a Fee Only Fiduciary Model might be the right fit, for you and your family.
Fiduciaries
At our firm, we pride ourselves on being fiduciaries. This means that we always put our clients’ interests first. We’re also transparent and open with our communication, so you can always be sure that you understand what’s going on.
We work with our clients through every stage of their financial lives, from setting goals to creating an operational plan. And we’re always available to provide support along the way.
TARP believes that operating as a fee fiduciary advisor is the best approach to meeting clients financial needs because it promotes transparency and ensures that recommendations are made with the clients best interests in mind. By following a Fee model and acting as fiduciaries TARP can build trust by making decisions without any outside influences or hidden motives.
Does TARP receive payments from other professionals and how does this affect the advice provided to clients?
TARP does not accept payments from CPAs or lawyers to avoid any conflicts of interest or biased advice. This practice allows TARP to stay focused on offering client centered financial guidance.
How does TARP’s fee structure support serving clients best interests?
TARP’s fee structure is based on being “Fee ” meaning that advisors are compensated solely by clients for their financial advice. This model eliminates any biases, in recommendations and ensures that advisors prioritize the clients needs above all else.
What does the term “fiduciary” mean in the advising context, at TARP?
In advising at TARP being a “fiduciary” entails consistently prioritizing clients best interests while providing financial guidance. It is a responsibility that ensures clients needs come first in all situations.
How does TARP guarantee that its financial advisors consistently prioritize clients best interests?
TARP ensures that its financial advisors prioritize clients best interests by following the principle of being a “fiduciary” as outlined in the Investment Advisers Act of 1940. This means that SEC regulations mandate TARPs advisors to always act in the utmost interest of their clients when giving financial advice.
Every Client’s Financial Situation is Unique
When it comes to financial planning, there’s no one-size-fits-all solution. That’s why we tailor our services to fit each client’s unique needs and goals. We understand that everyone’s situation is different, and we’ll work with you to create a custom plan that fits your life.
Whether you’re just starting out or you’re nearing retirement, we can help you make the most of your money. We offer a wide range of services, including investment management, retirement planning, estate planning, and more. And we’re always available to answer any questions you may have.
Working with a financial advisor can be a great way to improve your financial situation and achieve your goals. However, it’s important to choose the right advisor for you. Here are some things to consider when choosing a financial advisor in Atlanta:
Questions To Ask Before Hiring A Financial Planner
These questions will better help you to find an investment advisor Atlanta Georgia for sure.
– What services do you need? Make sure the advisor you choose offers the services you need.
– What is their investment philosophy? It’s important to align yourself with an advisor who shares your investment philosophy.
– What are their qualifications? Be sure to check an advisor’s credentials and experience before working with them.
– How do they communicate? Make sure you’re comfortable with the way an advisor communicates.
– What are their fees? Be sure to ask about an advisor’s fees before working with them.
You can look online financial advisor Atlanta Georgia to start your initial search.
Why should clients consider working with a Fee-Only fiduciary advisor like Third Act Retirement Planning?
It’s advisable for clients to consider partnering with a Fee fiduciary advisor such as TARP. This choice guarantees that recommendations regarding their matters are free from hidden agendas. By being on the team as clients and always putting their best interests first Fee Only advisors establish openness and trust in the advisory partnership. Unlike banks and brokerages Fee Only advisors steer clear of compensation setups that could create conflicts of interest. This method significantly minimizes conflicts with clients. Ensures that advisors consistently uphold their fiduciary duties giving priority to the clients financial welfare above all else. Opting for a Fee advisor like TARP means valuing alignment of goals, transparency and an emphasis, on delivering unbiased financial guidance without the pressure to push products.
Let Us Create A Custom Plan For You
If you’re ready to work with a financial planner in Atlanta, GA contact our team at Third Act Retirement Planning today. We’ll help you create a custom plan that fits your life and helps you reach your financial goals.
3 Ways financial consultant atlanta GA Are Compensated
Financial advisors, you should always be aware of how they are being paid. Here are the three most common ways:
1) Commissions
This is probably the most familiar type of compensation, as it is how many traditional financial advisors are paid. Commissions can create conflicts of interest if your advisor is recommending products that may not be in your best interest, but earn them a higher commission.
2) Fees – That’s Us
Fee-only financial advisors charge for their services in a variety of ways, including hourly rates, flat fees, or a percentage of assets under management. This type of compensation aligns the interests of the advisor and client more closely, as the advisor only earns money if the client’s portfolio grows.
3) Salary
Some financial advisors are salaried employees of banks or other financial institutions. This type of compensation does not create the same conflicts of interest as commissions, but it may limit the products and services your advisor can offer you.
When choosing an atlanta area certified financial planner, it’s important to understand how they are being compensated. This will help you determine if their interests are aligned with yours.
Be sure to ask about their compensation structure. This will help you understand any potential conflicts of interest and make sure you’re getting the best advice for your needs although using this article and some of our articles it will help you to be able to select the best financial advisors Atlanta, Georgia.
Third Act Retirement Planning is a fee-only financial advisory firm. We are compensated solely by our clients, which aligns our interests with yours. We believe this is the best way to serve our clients and provide unbiased advice.
What Kind Of Financial Advice Do You Need?
If you’re looking for financial help, it’s important to know what kind of services you need. Do you need help with budgeting? Investing? Creating a financial plan? Getting your estate in order? Tax help? Your answers to these questions will help determine what kind of financial advisor you’ll need.
3 Types Of Advisors To Choose From
If you just want assistance investing, a robo-advisor can invest for you for a minimal fee. If you have a complex financial life, you may want to work with an online or traditional financial planner.
Wealth Management Vs. Financial Planning
Wealth management and financial planning are two terms that are often used interchangeably, but they actually refer to different things. Financial planning is the process of setting and achieving financial goals. Wealth management is the process of protecting and growing your financial assets.
What In The World Is A Financial Coach?
You may also want to consider working with a financial coach if you need help getting your financial life in order but don’t necessarily need investment advice. Financial coaches can help you create a budget, get out of debt, save money, and make other financial changes. This option may be more appropriate than financial advisor companies Atlanta Georgia. People constantly Google “financial consultant near me” and hopefully this article has helped you in selecting one.
Certified Financial Planner Practitioners
An Atlanta fee only cfp and fiduciary financial advisor Atlanta, Georgia must adhere to a strict code of ethics and complete extensive education requirements. They can provide financial planning services, which may include investment management, tax advice, retirement planning, estate planning, and insurance advice. When searching for a wealth advisor, it’s important to know what credentials they have and whether they’re legally allowed to give financial advice. You should also ask about fees—some advisors charge by the hour, while others charge a percentage of assets under management.
Conflicts Of Interest
Be sure to ask about any potential conflicts of interest, such as whether the advisor is compensated for selling certain financial products. It’s also a good idea to check out an advisor’s disciplinary history to see if they’ve been accused of any wrongdoing. The wealth advisor you choose should be someone you’re comfortable working with and who understands your financial goals. They should be able to explain things in a way that you can understand and offer unbiased advice. You should feel like you can trust them to have your best interests at heart. When searching for financial advisors in Atlanta, be sure to consider all of these factors. There are many qualified financial advisors in Atlanta who can help you achieve your financial goals. Choose the financial advisor, in Atlanta, GA who is right for you and your unique financial situation.
Fiduciary Duty
When it comes to financial planning and wealth management, you want to make sure you’re working with a licensed, registered fiduciary. That way, you can be confident they have your best interests at heart.
A financial advisor in Atlanta, GA can help you create a financial plan that meets your unique needs and goals. They can also provide portfolio management services to help you grow and protect your wealth.
Visit The FPA and NAPFA Websites
When choosing a financial advisor here in Atlanta, GA be sure to ask about their experience, credentials, and fees. Also, ask whether they are a fiduciary. You can learn more about financial planning and wealth management by visiting the websites of the Financial Planning Association and NAPFA.
When it comes to financial planning, in Atlanta, GA, there are a lot of options out there. You can go the DIY route and use one of the many online financial planning tools available. Or you can consult with financial analysts who can help you create a holistic financial plan. However, there’s a new option that’s becoming increasingly popular: online financial planning services.
Online Financial Planning
With an online financial planning service, you get the best of both worlds: the automated investment management of a robo-advisor, plus the ability to consult with human financial advisors when you have questions. This makes it an ideal solution for people who want the convenience of online financial planning, but who also want the peace of mind that comes from knowing there’s a team of experts available to help them make the best financial decisions.
What is Financial Planning?
Comprehensive financial planning is a process of setting goals, analyzing your current financial situation, coming up with strategies to improve your financial health and choosing the right financial products to help you achieve your goals. Financial planning services are typically provided by financial advisors who can help you create a financial plan tailored to your unique circumstances. Financial advising is a growing industry, and there are many online financial planning services available. Atlanta, GA is a great place to find financial planners who can help you reach your financial goals.
Traditional Financial Advisors
Traditional financial advisors can be costly, in Atlanta GA, but they offer wealth management and other wealth planning services that can be difficult to find elsewhere. One example is private investment strategies (private equity and/or credit) and risk management. If you have a complex financial situation, meeting with an advisor in person can be helpful. You can also develop a long-term relationship with your advisor. However, if you want similar services for less or are comfortable getting help online, you may want to look elsewhere. Atlanta, GA is home to many excellent traditional capital investment advisors.
Traditional financial planners also offer financial planning services which include the selection and diligence on not just private funds but also hedge funds. The fee structure for hedge funds is different than normal securities so make sure you ask questions so you will have financial confidence about your financial future.
Consider The Value Of The Services
When it comes to wealth management and capital investment advisors, many people seek the services of a financial analysts in Atlanta GA. Financial advising is a process by which an individual or team helps clients plan for their future by making intelligent decisions with their money. There are many financial advisors across the country, but not all of them are created equal. In Atlanta, GA, there are a number of wealth management and capital investment firms that offer top-notch services at a reasonable cost. When considering how much you can afford to pay an advisor, it is important to consider the value of the services you will receive.
Can You Put A Price On Peace Of Mind?
A good financial advisor can help you make wise choices with your money that will lead to financial security and peace of mind in the future. While there is no one-size-fits-all answer to the question of how much you should pay for financial advise, doing your research and knowing what you want from your advisor will help you make the best decision for your need
What Do You Need? What Are You Comfortable With?
When it comes to wealth management, in Atlanta, GA, there are a lot of options available – and the decision of which one to use can be complex. Some people choose to go with a traditional financial advisor, while others decide to use an online service. There are pros and cons to both choices, and it ultimately comes down to what you need and what you’re comfortable with. Many financial professionals have chartered financial analysts manage their client portfolios.
Relationship Or Complexity
If you have a lot of assets, or if your financial situation is complicated and/or you want a close relationship with your advisor, you might want to go with an asset management firm or a wealth management company in Atlanta GA. These companies typically charge a percentage of your assets, but they can also provide a higher level of service and guidance.
Family Office Services
There are other investment advisors that work only with 1 or maybe a few ultra high net worth individuals. They can have up to three advisors or more and the firm’s principal owner is usually in contact with the main decision maker of the super wealthy family. Family offices do not typically serve diverse client groups or institutional clients but they can be a fee only firm focusing on complex tax planning as well. Even which charitable organizations to give to. It’s not unusual for their fee structure to be unique compared with other financial planners. They cover all types of financial strategies and financial advising for these rich families in the private wealth management arena.
When Is A Robo-Advisor Good?
On the other hand, if you have a small portfolio or if you just need some basic guidance, a robo-advisor might be a better choice. These online services typically charge a flat subscription fee, and they can provide you with the basics of financial planning without having to meet in person. Ultimately, the decision of which financial planning service to use depends on your needs and your budget. The fee structure for robo advisors is typically a lower percent on assets being managed.
Vet The Advisor
When it comes to wealth management or portfolio management in Atlanta, GA, you should only entrust your capital with the best. That’s why it’s important to vet any financial advisor you’re considering working with. Verify their credentials and check for disciplinary problems such as fraud. If you’re looking for wealth management in Atlanta GA, there are several capital investment advisors. Our team of asset managers has decades of experience helping our clients reach their financial goals. We take a holistic approach to wealth management, taking into account your goals, risk tolerance, and investment timeframe. Financial advising is part art and part science.
How are some financial firms different from TARP in terms of compensation and conflicts of interest?
Some financial companies, not like TARP might have payment systems that are unclear to clients potentially encouraging advisors to suggest specific funds or products for extra payment. This could lead to conflicts of interest impacting the fairness of advice given. Moreover some licensed investment advisors may claim to be independent advisors but also run related businesses like insurance or mortgage services creating unnecessary conflicts of interest. These different payment methods and conflicts of interest highlight the differences between financial companies and TARP’s approach of valuing openness and independence, in client interactions.
A Little About Capital Investment Advisors
Capital investment advisors are professionals who help companies and individuals make decisions about how to best use their money. These experts usually have a background in finance or economics and are familiar with a variety of investment products, including stocks, bonds, and mutual funds. Capital investment advisors typically provide advice on portfolio man how to grow and protect wealth, as well as on how to generate income. Many capital investment advisor also offer portfolio management services, which involve making decisions about which investments to buy and sell. Some capital investment advisors work for banks or other financial institutions, while others are self-employed. Capital Investment advisors in Atlanta, GA can be found working for a variety of different firms, including accounting firms, law firms, and even private equity firms. No matter where they work, capital investment advisors play an important role in helping their clients make sound financial decisions.
What Do Financial Advisors Do?
A financial advisor is a professional who helps individuals and organizations make decisions about investment management, portfolio management, and other financial planning strategies. Financial advisors in Atlanta GA typically have a background in finance or economics and use their knowledge and expertise to construct personalized financial plans, tax planning, and asset allocation that aim to achieve the financial goals of clients. These plans include not only investment vehicles but also savings, budget, insurance, and tax strategies.
Advisors in Atlanta GA further check in with their clients on a regular basis to re-evaluate their current situation and future goals and plan accordingly. Many people believe that you need to be wealthy to benefit from the services of a financial advisor, but this is not the case. Anyone can benefit from financial advising by selecting a pro with the right fee structure for them. Whether you are saving for retirement, buying a home, or trying to get out of debt, a financial advisor can help you make the most of your money.
What About Estate and Tax Planning?
A financial advisor can help you with investment management and portfolio management. They can also help you with long-term financial planning, including retirement and college savings plans. And, if you have a family in Atlanta GA, they can assist with estate and tax planning. In short, a financial advisor can help you with all aspects of your finances.
Investment Portfolios
If you’re looking for investment management services or asset management in Atlanta, GA, there are many qualified professionals to choose from that can design effective investment strategies for you. Do your research and find an advisor who has the experience and credentials that fit your needs. With the right financial advisor by your side, you can achieve your financial goals. Some of the top financial advisors hire third party companies that have a chartered financial analyst (CFA) or team of them that will manage their client portfolios.
Education Is Key
A financial advisor is much more than just someone who manages your assets. Sure, assets managed and portfolio management is a big part of what we do here at our wealth management firm in Atlanta, GA. But we also see ourselves as educators. We believe that investors deserve unbiased advice from an experienced financial team. Our clients come to us with all sorts of different goals. Some want to retire early, others want to send their kids to college without taking out loans, and still others want to leave a lasting legacy. Whatever the goal may be, we take the time to sit down with our clients and help them understand what is involved in meeting that goal. We walk them through the budgeting process and teach them about saving for the future. As they advance in their knowledge, we assist them in understanding complex investment, insurance, and tax matters. In short, we are here to help our clients achieve their financial goals – whatever they may be.
Questionnaire To Determine Where You Are Now
At Third Act Retirement Planning, we believe that true wealth is about more than just money. It’s about financial security, peace of mind, and having the freedom to live your life on your own terms. That’s why we take a holistic approach to wealth management services, encompassing everything from portfolio management to retirement planning. And it all starts with our financial health questionnaire.
Get A complete Picture
This comprehensive questionnaire helps us get a complete picture of your assets, liabilities, income, and expenses. We’ll also ask you about your future pensions and income sources, projected retirement needs, and any long-term financial obligations you may have. In short, we’ll get a clear sense of all your current and expected investments, pensions, gifts, and sources of income.
Risk Tolerance Is A Must
The investing, or portfolio management, component of the questionnaire touches upon more subjective topics, such as your risk tolerance and risk capacity for the assets managed. Having an understanding of your risk profile is essential when it’s time to determine your investment asset allocation and investment strategies. At this point, you’ll also let us know your investment preferences.
By taking the time to understand your unique financial situation, we can develop a tailored wealth management plan that will help you achieve your long-term financial goals. So if you’re looking for comprehensive wealth management services or just having your assets managed in Atlanta, GA, look no further than TARP. Contact us today to schedule a free consultation we have been serving clients with integrity and honesty since 2000.
You’ve decided you need some professional help managing your finances and asset management. Good for you! Taking this proactive step is the first step towards financial security and peace of mind. But what can you expect during that first meeting with a financial advisor?
More On The Initial Assessment
The initial assessment may include an examination of other portfolio management topics, such as insurance issues and your tax situation. The advisor needs to be aware of your current estate plan, as well as other professionals on your planning team, such as accountants and lawyers. Once you and the advisor understand your present financial position and future projections, you’re ready to work together on a plan to meet your life and financial goals.
You Gotta Discuss Both Short and Long-Term Goals
Assets managed, portfolio management, current mutual funds, and risk tolerance will all be discussed in detail. The advisor will also ask about your short-term and long-term financial goals. Based on this information, the advisor will develop a personalized financial plan for you and your assets managed.
Located in Atlanta, GA, Thomas Cloud, Jr. a Certified Financial Planner and our team of experienced CFAs handling the assets managed is here to help you every step of the way. Schedule a free consultation today to get started!
Registered Investment Advisors or RIAs
When it comes to financial advice, you want to make sure that you are getting the best possible advice from a registered investment advisor or fee only financial planners. A registered investment advisor is a company that provides fiduciary financial advice, which means that they are legally bound to provide you with advice that is in your best interest. Registered investment advisors employ investment advisor representatives, who are also bound by fiduciary duty. This means that they are required by law to put your interests first. The exchange commission deals with the larger RIA firms while the state works with the smaller ones. There is a threshold and that has changed over the last 20 years and will probably continue to change.
What About IARs or Investment Advisor Reps?
Investment advisor representatives may call themselves financial advisors, and they may be a fee only financial planner or fee-based. Some may have additional credentials, such as the certified financial planner designation. The certified financial planner designation is the gold standard in the financial planning industry and it indicates that a financial advisor has passed rigorous exams covering topics such as real estate, investment, and insurance planning.
When looking for a registered investment advisor, you should make sure that they have experience in the field and that they are required by law to put your interests first. With so many companies offering financial advice, it is important to choose one that you can trust to give you the best possible advice.
Choosing Which Services Do You Need?
Now that you have a basic understanding of what financial advisors offer, it’s time to narrow down the options for yourself. In this guide we’ll tell which service is right for each situation and then pave out how exactly one can find their perfect match!
1) Financial advisors can advise you on how to invest your money so it grows with less risk. The Securities and exchange commission has rules and laws governing this piece of our profession.
2) They work closely with clients who have outstanding debts such as credit card debt or student loans.
3 ) Budgeting is an important part of living within one’s means – but many people don’t know where all their earnings go once they’ve left the workplace!
4), Insurance coverage or risk management exists for a reason: accidents happen and we want peace-of mind knowing our family will be taken care off should anything come up.
5) The number one thing to remember about taxes is that they’re a process, not just an event. You have many opportunities for tax savings and reduction through donations or other means like loss harvesting which can help put more money in your pocket every year!
6) Top financial advisory firms or the best financial advisors are there to help you with your long-term goals, not just from their investment advice. Whether it’s retirement planning or ensuring that once retired, we’re able keep our money safe and secure in an appropriate investment vehicle for as long desired by ourselves and/or spouse.
7) Estate Planning is an important part of legacy-building, and wealth advisors can help you transfer your wealth in order to leave the next generation with something meaningful. You could consider transferring money or property for them so they will be able do what society needs done without relying on politicians who might not have our best interests at heart
Trusts
The most common way people pass on their fortunes these days? Through trusts! Financial professionals understand all about managing complex legal agreements like between parent & child and charitable organizations.
Fee Structure
When you’re looking for financial advising services, the fee structure is one of the most important things to consider. Many of the best financial advisors or financial advisory firms charge a percentage of your assets under management, which means that as your account grows, so does their fee. They may also have chartered financial analysts who manage your portfolio for them. Other financial advisor firms charge a flat fee, hourly rate, or commission on products sold. Make sure you understand how your advisor plans to generate revenue before you decide to work with them. Once you’ve considered the fee structure, you can start looking for the best financial advisors by researching their credentials and interviewing them. When you find an advisor who seems like a good fit, schedule a consultation to discuss your financial goals and see if they’re able to provide the services you need.
Fee Only Firm
When you hire a fee only firm, which is recommended by personalities like Clark Howard and Suzie Orman, because you are paying them a fee they should recommend exchange traded funds or low cost mutual funds. A financial advisory firm in Atlanta, GA with one or more Certified Financial Planners is typically regulated by the Securities and exchange commission or their state’s securities division.
Free Retirement Ready Success Call
You are the chief executive officer of your families situation. You decide what charitable organizations to give to if any at all, along with many other decisions about your finances. You have many factors to consider when choosing a financial planner in Hotlanta. We are here to help you through that process. You may schedule a free no obligation call with and we will look at where you are now where you want to be and then we can decide if it would be wise for us to talk again. It’s about a 20 minute call.