The Divorce Money Guide With Tracy Coenen

The government spends billions of dollars each year on goods and services, and by tapping into this vast marketplace, small businesses can secure lucrative deals, gain steady income and heightened visibility. In this episode of The Agent of Wealth Podcast, host Marc Bautis and guest Richard C. Howard dive deep into the world of government contracts.

As a career military acquisitions officer, Howard oversaw $82B+ in DoD contracts, and has advised and trained over 400 companies as a consultant. He’s the CEO of DoD Contract – which guides, trains, and mentors small business owners and sales executives through the government sales process – and the host of DoD Contract Academy Podcast.

In this episode, you will learn:

The benefits of selling to the US government as a small business.
How small businesses can find opportunities to sell their products or services to the government.
How small businesses can stand out in the government procurement process.
How small businesses and startups can utilize the Small Business Innovation Research Program.
And more!

Resources:

Disclosure: The transcript below has been lightly edited for clarity and content. It is not a direct transcription of the full conversation, which can be listened to above.

Welcome back to The Agent of Wealth. This is your host, Marc Bautis. I’m joined by a guest for today’s episode, Richard C. Howard. Richard is a leading authority on US federal government contracts. As a career military acquisitions officer, he oversaw $82B+ in DoD contracts, and has advised and trained over 400 companies as a consultant. Richard is the CEO of DoD Contract, which guides, trains, and mentors small business owners and sales executives through the government sales process.

Richard is the host of the DoD Contract Academy Podcast, and speaks extensively on the nuance of federal contracting strategy. Richard, welcome to the show.

Thanks for having me on, Marc.

I don’t think people even realize that government contracts are out there. Can you start off by explaining this market size, and some of the benefits of selling to the government as a small business?

The Benefits of Selling to The US Government as a Small Business

The US government is the single biggest purchaser of goods and services in the world. When people think about government spending, most immediately think of big defense contractors. But in reality, the government buys just about anything you could think of – from defense and weapon-related spending, to tai chi instruction, to commodities, to food. Think about it like this: Every military base is basically a small town, or city in some cases. All of the infrastructure that goes into that town or city is paid for by the government. And they have a mandate to buy from small businesses.

So whether you’re in – cybersecurity, accounting, legal, you’re selling food, you have a franchise, you have a training business – the government is most likely buying in your area. It is very rare that I find an area where the government isn’t spending money, so the spending is vast.

The government has to buy from small businesses, yet less than half of 1% of US small businesses are actually participating in the government contracting process, despite the high spending levels.

Alright, so there’s a lot of opportunity here. How does a small business find the contracts?

How Small Businesses Can Find Opportunities to Sell to The Government

Because we’re talking about the government, there is a lot of regulation that exists to ensure there’s fairness and that the public can see what the government’s doing. So everything the government spends money on – with the exception of a couple classified contracting avenues – is public knowledge.

So, as a small business owner, you should ask, “Does the government buy what I sell?” To find your answer, go to a website like usaspending.gov and begin searching public records to find out what the government spends on.

Whatever you sell, it probably falls under something called a North American Industry Classification Code, or NAICS code. When you go into usaspending.gov, type in what you sell under NAICS – for example, accounting. The website will suggest different codes that you would fall under. You can click on that, and sort it by small business spending.

You can quickly see how much the government spends on small business contracts in your industry and area of focus.

Are these contracts location specific? Does it help if a business is located near a military base, for example, or does it not matter?

It depends on what you’re selling. By the way, government contracts certainly extend past the Department of Defense and military bases. There’s lots of different federal agencies that spend money.

Okay so once a business owner discovers how much the government is spending in their niche, what’s the next step?

Once you know that the government buys what you sell – if it’s local, they buy it in your state, or if not, you can work anywhere – the next step is to register your company. You can do that at sam.gov. That’s where all registering and most of the solicitations take place.

So when you go to sam.gov, you’ll find instructions on the screen for registering. Of course, you need to have a legal business in the United States, and come ready to register with your EIN number.

All in all, the process takes a couple weeks sometimes, but at the end of it you’ll get what they call a CAGE code and UEI number – these are federal identification numbers for your business. Once you have those, you can start bidding on contracts.

By bidding, do you mean writing proposals?

Yes.

How Small Businesses Can Stand Out in the Government Procurement Process

What can a small business do to separate themselves from the others trying to do the same thing?

Good question. This is really where most companies fail in selling to the government…

Once your business is registered through sam.gov, you will begin to see what’s called a request for proposal, or RFP. At that point, a business can begin writing a proposal. But, the government is very regulated in how they buy products and services.

For instance, if I saw an RFP come out that the government is looking to buy a $3 million landscaping contract for base X, I can’t just pick up the phone and talk to someone to get my questions about the contract answered. Now, if it’s a big contract, the government will answer most questions publicly through sam.gov. In those cases, you might get some answers that can inform your proposal.

But otherwise, you won’t be able to set up a meeting with a government worker. You won’t be able to develop a relationship…

So, before the RFP comes out, there’s something called the market research phase. Let’s say you’re a software developer, and the government is putting a command and control platform together, and you have a great user interface for that. Well, it’s during the market research phase that you can engage with the government if you really want to have a shot at landing the contract later on. Meaning, before the RFP comes out, we want to know who is doing the purchase, and we want to know the details of the opportunity ahead of time.

If you want to differentiate yourself from the rest of the herd, you want to look for things like a request for information or sources sought. When those come out, they’re squarely in the market research phase. At that point, you can set up a meeting with the government.

I recommend small businesses to respond to requests for information. They’ll answer questions like:

How long have you been in business?
Do you have past performance?
What do you think of the approach the government wants to take?

And, you’ll be able to suggest things. For instance, when you register your business, there are different certifications. Examples include:

Small business certification
Woman-owned small business certification
Disabled Veteran-owned small business certification

If you happen to have one of those certifications, you do have a leg up, because the government needs to set aside a specific percentage of contracts to those certified businesses.

But, back to the market research phase, you can actually recommend that the government lists the contract for a specific certified group. So, you’re helping the government write the solicitation, and you can give yourself a leg-up if you suggest a certification you have.

Okay, so you’re trying to influence the decision a little bit. Have you ever seen a case where a small business had a product or service that the government isn’t spending on, but they propose it to them?

Yeah, there are a couple of ways to do that. I would say if you take away one tip on selling to the government, it’s to get meetings and build relationships with the people that actually buy what you sell. There’s a lot of ways to do that, but mainly through research.

If your business sells a product or service that the government is not actively looking for, but you want to sell to the government, the government needs two things: A requirement, and funding.

The Small Business Innovation Research Program

If it’s an innovative solution of some kind, for example a patent, you can go after something called the Small Business Innovative Research Program, or SBIR. Any government agency that spends a certain amount of money in research and development has got to contribute to this program. So, the SBIR program spends about $4 billion a year on innovative research and development contracts with small businesses.

This is a way to basically propose your product or service to the government, because they have funding in the SBIR program. If the review panel thinks that what you have is innovative, and that it would achieve a government need, you can win one of those contracts.

Phase one of SBIR is kind of low dollar. Let’s say, for example, you’re creating a VR training system. In that case, phase one might just be a feasibility study. You might propose that the government uses a VR or augmented reality training system to help maintain or fix aircrafts, for instance. Well, that might resonate with the board. That first phase one event is probably going to be somewhere around $100,000-$150,000, which is small for government contracts.

But, what you’re really doing is:

You’re establishing past performance with the government, because now you have a contract.
They’re now going to help you find people in the government that would potentially sponsor you.

Now you can’t totally rely on the government SBIR office, you also need to put yourself out there to find a sponsor. If you find somebody willing to sponsor, but they don’t necessarily have to have money, they just sign a memorandum of understanding for you to go to phase two.

Phase two is to develop a prototype, or set up a demonstration. There could be a lot of different things that you’re recommending, but that’s the phase two piece.

The Small Business Innovative Research Program is really great for getting your feet wet. Even if you have a developed product but you’re modifying it for government use, that would also qualify for the program.

Going back to finding these opportunities, my father actually had a government contract through a larger corporation. He created a pellet that went into 50 caliber ammunition. He wouldn’t get the government contract himself, but General Dynamics or Olin would go through him to create this component of their contracts with the government. Are there opportunities like that out there?

Yes. That’s a really good point. There is a variety of ways the government can buy things from a small or large business owner. For example:

Contracts.
Subcontracting.
Sole source contracts.

As a business owner, you need to understand how the government is buying what you’re selling. That’s something that you can do pretty easily with the research tools the government offers.

Let’s say you own a company that is licensed to do HVAC. Over time, you’ve built a relationship with the government office that purchases contracts in construction. From that relationship, you learn that next year, Hanscom Air Force Base is going to be building an office building, and you have interest in installing the HVAC system. But, you aren’t able to take the full construction contract.

What I recommend you do is look through a website like usaspending.gov to see which construction companies have done that type of work with the government – illustrating past performance – and reach out to them about this upcoming opportunity. The fact that you’re bringing them this opportunity sweetened the pot for them to work with you, involving you in the project.

If you reach out to three companies like that, you’ll get at least one or two bites to form an agreement and go after a large contract together. That’s very helpful for a small business, because the big company can handle the proposal writing, and so on.

Artificial intelligence is all the rage right now. Do you see AI being used to uncover some of these opportunities, or to help small businesses in this process?

It’s interesting that you bring that up. Two of my recent episodes on the DoD Contract Academy Podcast were about AI in the government space.

One of them is called Govly, which uses artificial intelligence and machine learning to enable government contractors, OEMs, and distributors to accurately plan for government purchases years in advance

The other is called Rogue, which is an AI tool specifically designed to help businesses write proposals for government contracts. It kind of works like ChatGPT.

Business Financing and Government Contracts

What happens if a business needs financing to fulfill an order from the government?

First, it depends on the contract. If it’s a SBIR contract, where the business is developing something for the first time, then you can win the contract before you have to start development. But those are research and development contracts.

So let’s say you win a small services contract that involves employing 20 people. The small business will have to pay those individual employees before the government pays the small business. That’s because there’s about a 90 day turnaround time on invoicing to the government.

Now, there are certain financing houses set up specifically for government contractors. One thing to know is once you win that government contract, it’s one of the most secure contracts you’re going to have. So a lot of banks know they can count on the government paying the business.

That’s also one of the reasons companies go after government contracts – because it increases the value of your company.

Are Government Contracts Recession-Proof?

In addition to AI, the other thing that we’re constantly hearing about is this looming recession. At a high level, how is government spending compared to other industries?

Government spending is more stable. I always recommend that business owners – small or large – have one stream of income from commercial sales and another stream of income from government sector sales. The government is spending year over year, whether there’s a recession or not.

But I would say that the government experiences difficulties in different ways, and typically at different times.

Usually, if you have a three-year government contract, for example, you’ll receive that funding month over month. Now, there are times when the government shuts down, or when there is sequestration. The government can terminate a contract for convenience. But if they do, there are regulations to protect the companies that held the government contract.

That’s good. Well, we’re just about out of time. Richard, thank you for joining me today. You did a great job explaining how businesses can leverage government contracts as well as how to navigate the government procurement process. What’s the best way for our listeners to contact you or learn more about your advisory coaching services?

Your listeners can go to dodcontract.com to schedule a consultation. On the website, we also have courses available. And of course your listeners can check out my podcast, DoD Contract Academy, on whatever platform they like to listen on.

Great, we’ll link to those resources in the show notes. Thanks again, Richard. And thank you to everyone who tuned into today’s episode. Don’t forget to follow The Agent of Wealth on the platform you listen from and leave us a review on the show.

Schedule an Introductory Call

In this episode of The Agent of Wealth Podcast, host Marc Bautis is joined by Tracy Coenen, a forensic accountant and the brains behind The Divorce Money Guide. Tracy’s passion lies in helping those who feel powerless in their financial situation while going through – or after – a divorce. By following her carefully laid out steps, people in the process of divorce go from uninformed and overwhelmed to feeling in control of their finances.

In this episode, you will learn:

The first thing you should do with your finances if you’re thinking about filing for divorce.
How to figure out if your partner is hiding money or assets.
Financial “red flags” to look for in a marriage or divorce.
A variety of financial tips for a divorcee who has not typically managed the family’s finances.
And more!

Resources:

The Divorce Money Guide | Schedule an Introductory Call | Bautis Financial: 7 N Mountain Ave Montclair, New Jersey 07042 (862) 205-5000

Disclosure: The transcript below has been lightly edited for clarity and content. It is not a direct transcription of the full conversation, which can be listened to above.

Welcome back to The Agent of Wealth Podcast, this is your host Marc Bautis. On today’s show, I brought on a special guest, Tracy Coenen. Tracy is a nationally recognized CPA, forensic accountant, and the brains behind The Divorce Money Guide. As a woman in an industry once dominated by men, Tracy has worked tirelessly to rise to the top as the one of the most sought-after forensic accountants working in the divorce space.

Tracy’s passion lies in helping those who feel powerless in their financial situation. By following her carefully laid out steps, people in the process of divorce go from uninformed and overwhelmed to feeling in control of their finances. Tracy, welcome to the show.

Marc, thanks for having me.

Of course, I’m excited to talk to you today. Because I’m a financial advisor, a lot of people engage with me when they’re going through a divorce. It really is a challenging period of time that comes with a lot of emotions and a lot of stress. To put it simply, it’s overwhelming, so I can see how beneficial it is to have a guide, like The Divorce Money Guide.

Yes, divorce is one of the most difficult times in someone’s life, right? It’s one of the most difficult things someone can go through. Certainly, issues with children is probably the hardest part of going through a divorce, but second to that is the financial aspect.

Finances can create a lot of stress during a divorce. People in this situation may be worried about:

How the assets are going to be divided.
How they’re going to afford the divorce.
How they’re going to survive after divorce.

But one of the issues that is near and dear to me, because I’m a forensic accountant and fraud investigator, is when divorcees suspect that something has happened to money or assets. That could mean a variety of things:

Money is being hidden.
Assets are being hidden.
There’s been secret spending.
There’s been inappropriate spending.

So I want to help people in the process of divorce to feel better about the money part of it.

Was this niche something that you’ve always wanted to do? Or how did you come to be an expert in this area?

Well I’ve been a forensic accountant for 25 years, but I started my practice 23 years ago. Back then, I intentionally did not do divorce work. I was not interested in it because there are some emotional components that can be difficult.

But, about five years into my business, I got an important referral from someone that I respect and trust. It was a personal friend of theirs, who was going through a divorce and had a lot of money at stake. So, I took that case and realized I was actually really good at dealing with the emotional piece while still focusing on the facts, details and numbers.

After that, I started doing divorce cases regularly, but it’s only this past year that I’ve been really focused on making forensic accounting more accessible. It’s very expensive to have a forensic accountant involved in a divorce, right? I’d say that about 95% of those going through a divorce can’t afford to hire a forensic accountant. Because the process is so expensive, I came up with this concept to help people do it themselves at a much better cost. That passion really began this past year.

That’s great. Now, how common is it for someone to hide assets from their partner?

Hidden Assets and Money in Marriage and Divorce

Well, that’s sort of a trick question because by the time people get to me, they’re pretty certain that there has been fraud. So almost every single one of the cases I work on ends up with some sort of hidden money or assets.

If you consider the universe of divorces, I think it is very common for divorcees to be suspicious of hidden money or assets. But how many of those suspicions turn out to be true? We don’t know… and I think one of the reasons why is because so many people don’t have the opportunity to dig into it. Divorcees don’t know where to look for hidden money. So, who knows how many cases…

I’ll say my gut says that there’s probably a lot of them. When you’re getting divorced, things have gone south in the marriage, and I think money is naturally one of those pieces that goes downhill. Someone starts spending on things that they shouldn’t… things like that. It may not be as common for a partner to hide boatloads of money in a secret account, but certainly as the marriage deteriorates, I think it’s pretty common for there to be secret or inappropriate spending.

You mentioned that you empower a divorcee to search for hidden assets themselves. Do you recommend that everyone going through a divorce utilizes The Divorce Money Guide, or should they have to have some kind of suspicion before they implement the tools in the guide?

Why Everyone Going Through a Divorce Should Utilize The Divorce Money Guide

I love that question. I feel that anyone in the process of a divorce can and should use The Divorce Money Guide.

When I first started working on it, it was about fraud, and specifically for people who had suspicions about hidden money and assets. But, as I was beta testing it with people, I was realizing that it’s also so helpful for people who have not been involved in the finances in their marriage.

Let’s say you’re a woman who’s been a stay-at-home mom for the last 12 years. Throughout those years, your husband has been the breadwinner and has been in control of the family’s finances. That’s just the way you divided the family duties. If you’re now getting divorced, you probably have no idea where to start.

Now this can be very overwhelming. If I said to a divorcee in this situation, “Well, start by retrieving your bank statements.” You would be surprised to know how many would say to me, “How do I do that?”

So, the guide walks people through a variety of financial processes from the beginning to end. That’s why it’s great for anyone going through a divorce.

How to Find Money in Divorce Cases

On the topic of getting documents, do you find that it’s challenging for a person to get their ex-spouse’s records, whether it’s the ex-spouse’s social security record or a pension record? What happens if the records haven’t been titled jointly?

That’s a great question. What usually happens is your divorce attorney will ask the other side to produce those documents. If they don’t respond, you can get them through a subpoena, an order issued by the court.

Ultimately, with that subpoena, it’s pretty easy. And a subpoena is very routine – attorneys use them all the time in divorce cases.

Can the subpoena be broad enough that it says, “Turn over all financial documents?” Or, does it have to specifically say the account numbers and bank numbers?

A subpoena can be very specific, but it could also be broad. Typically, if we know of the accounts that exist, we will list them out, but also say, “And, any other account in this person’s name,” so that if there were other accounts we weren’t aware of, those would be provided as well.

Okay. Now, let’s say there is an account that’s not provided after a subpoena, and not detectable on the ex-spouse’s’ tax return. Essentially, no one knows about it. Is there any way to uncover those types of accounts?

Yeah, some people talk about a sort of database of all bank accounts, and a divorcee could reference that database to find an ex-spouse’s bank accounts… Unfortunately, that doesn’t exist.

There are private investigators who claim they’re able to find hidden bank accounts, too. But I caution people against hiring those individuals, because they’re typically using illegal means to find accounts.

Here’s the right way to find hidden money or assets.

If you are aware of names of banks that your spouse has talked about, or that you’ve seen mail items to the house, that can be a sort of clue. For example, say you don’t know of an account at Wells Fargo Bank, but your spouse mentions Wells Fargo Bank a lot. In that case, we can send a subpoena to Wells Fargo to find out if there is an account there.

So, if you have some sort of clue to certain banks, your attorney could send a subpoena. That’s one way.

The other way we find out about hidden accounts is by reviewing statements from the accounts we do know about. We will go through them, looking for transactions. For example, there may be a transfer to an account at Wells Fargo, or a transfer to another bank, or record of a check being written. In those cases, we follow up with the banks through a subpoena. It’s really a matter of following a paper trail.

Makes sense. Now, we talked about it being a good practice for anyone going through a divorce to utilize The Divorce Money Guide. But, if a listener needs some more encouragement, can you share some red flags they should look for that could indicate fraud or hidden money?

Financial “Red Flags” to Look For in a Marriage or Divorce

There is a whole laundry list of red flags of financial fraud in a marriage. The most common one I see is a significant change in behavior. Some examples include:

Your spouse becomes more secretive about financial matters.
Your spouse becomes more secretive over their phone or computer.
Your spouse becomes more secretive over their whereabouts.
Your spouse becomes more controlling.
Your spouse prevents you from accessing bank accounts.

Those are just some examples, but they are all huge red flags that there might be something going on with the money in the marriage.

But, remember, a red flag is only a warning sign. It’s not proof of anything.

Okay, let’s take it a step further. Let’s say a divorcee does uncover a hidden asset in the spouse’s name. What’s the next step?

What to Do Once Hidden Money or Assets Are Uncovered

You’ll have to prepare evidence of it, whether that is transaction history – on a bank statement or credit card statement – or other documentation that shows the existence of that asset and how it came to be.

If you’re doing this process yourself, you’re going to bring these statements to your attorney, show them what you found, and the attorney is going to help you put together that proof so it can be presented in front of the judge. The goal is for the divorcee who uncovered the hidden money or assets to get their piece of it.

Now, if money has been spent inappropriately… let’s say your spouse spent $50,000 on an affair partner. Half of that money is yours, right? But how do you get that $25,000 back? Well, if there are bank accounts, investment accounts, you can get a larger share of those. If you have equity in the house that’s being divided between you and your spouse, hopefully you could get a larger share of that equity. Or maybe you could get a larger share of automobiles or a retirement account, things like that. So, if there isn’t money to reimburse you directly, hopefully in dividing some of these assets, you would be able to recover your share of those inappropriately spent funds.

If it’s a matter of just an account that’s been uncovered, hopefully you’ll be able to get your half of that account as well.

We’re talking a lot about assets and hidden assets, but do you also see hidden things on the other side – whether it be loans or liabilities – that one spouse doesn’t know about until divorce proceedings?

The 1st Thing to Do With Your Finances if You’re Thinking About Divorce

Absolutely. I always recommend that people run a credit report on themselves as soon as they are thinking about divorce, or as soon as they enter the divorce process. As soon as possible, run that credit report to see what debts you are associated with.

What I’ve seen, over and over and again, unfortunately, is for example, someone who’s living in a home that they’ve owned for 15 years that they think there’s significant equity in. All of a sudden, they find out that there’s a home equity line of credit on it that has been run all the way up, and there’s really no equity in the house. So, this is certainly a concern.

There’s also a concern that there may be credit cards that you could be held responsible for. It’s absolutely an issue that I think merits some attention.

Have you ever seen issues arise after the divorce proceedings are concluded? If something is uncovered after the fact, is there a way to reopen the divorce case?

It is possible to reopen a divorce, but it is difficult because there’s a pretty high bar that is set for reopening. So, if that happens, you’re going to need some pretty solid evidence of fraud and deception in the process.

If you can, have something in your divorce decree that says, “If assets are uncovered later that you never disclosed, here’s what would happen to them.” Because, then you don’t have to reopen the divorce. All you have to do is go back to court to enforce this agreement.

Okay, that makes sense. Now, going back to The Divorce Money Guide, you can it’s something a divorcee can do on their own, correct?

Yes, it is 100% do it yourself, if you want it to be. I’ve had plenty of people complete the guide on their own. However, I received feedback that there are people who would like more support through the process. So, the free thing that I recommend is to select a friend or family member that you trust to help you complete The Divorce Money Guide.

For people who want even more support than that, I do offer a group coaching option to go along with the guide. We meet once a week.

And do you offer anything for post-divorce?

How to Come Out of Divorce With Your Finances Intact

Yes, I released the Post-Divorce Money Guide about three weeks ago. It’s a much smaller guide than The Divorce Money Guide, but it focuses on protecting yourself after the divorce is over so your ex can’t meddle in your finances. Things like changing the beneficiary on your life insurance policy… There are so many things to think about.

The Post-Divorce Money Guide has around 30 different things to consider once the divorce is final. One of the things that we talk about in it is how to create a spending plan, because now that you are not married, your spending is going to look a little bit different.

It talks about budgeting, spending, things like that… So, absolutely, there are so many important things that happen after the divorce.

That’s awesome. I think having a guide helps so much when it comes to dealing with the uncertainty. There’s one last thing I wanted to ask: Do you have any other general tips that we haven’t gone over?

I have so many tips – I could spend hours giving them to you.

The first thing I recommend you do is protect yourself. That’s step one in The Divorce Money Guide. I’m talking about things like:

Run a credit report on yourself.
Get yourself a brand new email address to use for your divorce communications.

But, when it comes to going through your finances – especially if you haven’t been actively involved in them before – I say take it little by little. You don’t have to understand everything in one weekend, right? Take it in small pieces, little by little. That will make it a lot more manageable.

And again, if you need some support, find someone you can trust who can help you. That could be an accountant you’ve worked with before, a family member, or a friend who you trust. I know it can be embarrassing to have someone else look at your finances because it feels very private, but, if you can find someone that you trust who can support you in that fashion, it’s sometimes really helpful.

Thanks for the great tips. Well, we’re just about out of time. Tracy, I want to thank you for being on The Agent of Wealth Podcast today. You gave some great information on the financial aspect of divorce. How best can someone find out more about you, and more about The Divorce Money Guide?

Your listeners can go to divorcemoneyguide.com to find The Divorce Money Guide. There’s contact information on the site as well, so feel free to reach out with an email.

If you’re on social media, you can find me on Instagram @DivorceMoneyGuide. Feel free to message me there, if you’d like. I appreciate anyone reaching out. I’ll help you if I can.

Great, we’ll link to all that in the show notes. Thanks again for joining me, Tracy. And thank you to everyone who tuned into today’s episode. Don’t forget to follow The Agent of Wealth on the platform you listen from and leave us a review of the show. We are currently accepting new clients, if you’d like to schedule a 1-on-1 consultation with our advisors, please do so below.