I think as soon as you start earning an income you can get benefits from good financial advice and it is a matter of fact with our clients at Merrill Lynch we often talk about their children in the overall planning process. So really even before you start earning money we are helping develop financial plans and crafting what will end up being retirement dollars for people that aren't even working yet. Now, I think the earlier the better but it's never too late as well. Someone that is 65, that's saved in the 401K, that has a defined benefit plan or some other kind of pension plan and that has kind of been on autopilot if you haven't really utilized the resources of a financial consultant. You know that's an excellent time to consult somebody about what's just likely to look at from here on out where you are not going to have any income, where you are not going to have any more savings being added and it is a matter of fact, you need to defend it. One another thing is that we talk a lot about Merrill Lynch is the fact that today people are often living longer in retirement than they lived saving money for retirement so its really just as important as you grow older.
