>> I really love the problem solving part of it.
I like, you know, to take a situation
where there are challenges and it's,
you know, for instance retirement.
It's no longer about just
socking away money into a 401k.
Nobody has pensions anymore-- most people don't.
It's become a very complicated thing.
Not only do, you know, are expenses increasing
tremendously, people are living longer.
Social security payments may
be decreasing in the future.
Some people are scared it won't be there at all.
I don't believe that.
I believe social security will be there, but I
believe they'll make some significant changes.
And so it's more about putting all
of the pieces of the puzzle together.
And so I like that.
I like to be a problem solver and help people
put the financial puzzle of their lives together
so that they can not only have
a plan that is going to work,
but more so so that they can have peace.
The biggest challenge for me is really
when people fail to prepare and they come
and it's too late in a lot of ways and
then it's, you know, they get frustrated
because it's really hard to sort of get the
toothpaste back in the tube at that point
and I just-- I wish people would
listen and come to me earlier.
For example, if somebody comes to me and they
have a junior in high school and they say well,
we decided it's time to start saving
for college education, that's too late.
There's not a whole lot I can do at that point.
I can help them and I have some strategies where
I can help them, but I can't help them as much
as I could have helped them if they had come
to me when their children were toddlers.