Buck Hartzell

I think that's a great place to start on finding out who do you talk to to make changes.

And then the last question would be like, if I have suggestions or if I have changes, who do I send those to?

Yeah, and I would say there are some things that I'm very much against.

You know this over the years, and those are recurring fees, like charged as a portion of your assets under management.

We have had in the past a time where we had a small fee for a self-directed brokerage account where you could buy those individual stocks or bonds or whatever you wanted to buy.

And as you know, Robert, that drove me crazy, like just a little bit.

I think it was five basis points, but I'm like, it was.

not something we should be paying.

And every quarter I would bring that up.

We eventually got that eliminated, right?

So that's great now.

And people can just go in just like any other brokerage and buy whatever they want to do.

So I would say, I would hope that most plans don't have that, but to the extent that you find that there are features within a plan that charge additional portion of assets under management, I would push back on those.

Yeah, I mean, I would say your heroes in life are important, right, Robert?

Whether that's in your 401K, sports, or just in life.

And I would say, go check out those companies that you really admire.

Go check out the 11K.

Find out what they're doing in their 401Ks.

If you're a person that's responsible for human resources at a company, check out those companies you keep losing out to.

If you're interviewing great employees and they're choosing to go to other people within your industry, find out what they're offering because this is a huge tool and