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when i say to somebody when someone says to me i want to be a financial planner whether or not theyre employed or self-employed sorry whether theyre employed currently within the financial planning profession and they want to go self-employed or they want to be a company you know they want to set up their own directly authorized firm or whatever it is they want to go it alone or someone from outside of the profession is coming in and they want to go straight into financial advice and perhaps set up their own business straight away right or go self-employed which is ballsy yes yeah definitely i always say you need a business plan whats your business plan what does your first i i always say what is your first one year two year three year plan looked like yes and then i say if you were to list a b c clients what are your a clients what are your b clients and what you see clients a b and youve got total advocates relationships you go to you have a drink with them you socialize with the