Financial Planning

John Morgan: I think if you look at this from a purely market penetration perspective, pretty much everyone in the independent space who wants to be a financial planner already has a financial planning offering. But where there is a gap and we've seen this gap is around broker dealer space, the warehouse space. More of the investment oriented advisor who want to add some of the basics of financial planning like goal planning to their investment process. John Morgan: We're just extending how we serve them today.