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good afternoon everyone Chris Grandy Chris gy.com Wen Hill advisers I thought Id talked today about um a really cool article I had read a couple of months ago and wanted to address it in a uh article and a video and just finally get around to it now and uh the topic of the article was seven reasons your financial planner can replace your uh therapist and it was written by a financial columnist Lou caroso whos uh uhs written many Financial articles Les hes synic uh his articles appear all Nationwide and I just thought that was an interesting topic I said well let me look into this further and so uh he listed Seven Points and I want to go down those points and just uh address them as U as they go along so Im going to just also reference my notes while I talk to you but lets lets look at these seven points here number one he says um planners can help mediate financial matters and certainly um Ive dealt with this in my practice married uh you know we got spouses and people looking