Rick van ness is a prominent boglehead, published author and somebody that has really made it a second, encore career to teach the world financial literacy in any way he can. i want to introduce him to you and talk about some of the work he's been doing. I know our survey this year showed that something like % of white coat investors still don't have a written financial plan. But if you need help drafting it up, if you don't feel capable of writing it yourself, your financial adviser will actually help you to do that.