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foreign yes and so with the registered investment advisor you can look up information about their fees and charges in their ADV form so for real life planning you can find a link to our ADV form at the bottom of the website page and itamp;#39;s also delivered to clients as part of the onboarding process before they sign anything youamp;#39;ll also find in the financial planning agreement clear outline of what the fees are our fees at real life planning are very transparent there is an upfront fee for the initial planning process and then you move to a monthly subscription either for financial planning or financial coaching and for those people that choose optional Securities Investment Management above a certain threshold of 250 000 thereamp;#39;s an additional assets under management fee for those clients but thatamp;#39;s optional thank you