When I did my military to civilian transition I became an adviser at a typical financial planning firm, I had gone through all the standard trainings and licensing. I wasn’t a Certified Financial Planner (CFP), but it’s not that hard to learn the standard retirement planning philosophy and basically follow the rules, regulations and compliance of how everybody is "supposed" to save their money if they’re doing all the correct things from a fixed income perspective. I didn’t know any better, and I served my clients in that capacity. I’m not saying that what I was telling them was wrong. It’s just an antiquated methodology, given the current times. We sure weren't focusing on military to civilian transition enough.