This is a very good question to ask. Our firm is an advisory firm. It has been my experience that it is easier to avoid a mistake than to fix one. By starting with a plan, it gives us the ability to anticipate challenges and develop a plan, eliminate the challenge or at least minimize it. After the plan is developed, we make investment recommendations. By starting with a plan, we can anticipate challenges and plan for them, eliminating the challenge or at least minimizing it. However, our income is not based on the investment that is used; hence, our firm is fee based.