Meet Our Advisory Team
Connect with one of our trusted Financial Advisors in the Downtown Denver area. We are here to be a partner with you on your financial journey and help you make well-informed, important life decisions related to your wealth. Please contact our Denver, CO advisory team if we can be of service.
Connect with Us
Tom has been managing my retirement accounts for close to 20 years. I credit him for helping me retire at only 57 years of age.
Tom and his team are attentive to our specific needs. They take the time to listen to our financial questions and are experts addressing those questions. We highly recommend Beacon Pointe, Tom Stefaniak and his team in the Denver Office!
Tom Stefaniak is great and so is his staff. They definitely know what they are doing.
Great leadership and a great team. From the reception desk to the CFP offices, Beacon Pointe Advisors will take the time to learn about you and your future goals, so that when they act in your best interests as a fiduciary, they actually know what those interests are. You will feel right at home here.
Passion, knowledge and a genuine interest in achieving the best for clients is what makes a truly professional Financial Adviser. Tom and his team have this and more. Tom makes you feel like you are his best client, his business excellence sets him apart and I would highly recommend him to anyone wanting to achieve better financial outcomes.
The most professional, personal, fun financial team you will ever encounter. Integrity is at their core and I trust them whole heartedly.
Sean and his team have been there for me through many life transitions and even tragedies. I don’t know what I would have done without them. They don’t just treat me as a client but as a friend.
At Beacon Pointe, Tom Stefaniak and his entire staff take their fiduciary very seriously. I started with this group almost 30 years ago and have always received top notch financial advice and management. I have referred this group to several of my close friends and associates. You only do that with a group that you completely trust and know you can depend on.
Thanks to Tom’s investment planning and guidance, I was able to retire comfortably at my target age 12 years ago. Since then, we’ve enjoyed financial security with excellent products that provide guaranteed lifetime income, supplementing our pension and Social Security benefits. Tom’s deep financial expertise is always communicated in a clear and easy-to-understand way. He consistently monitors our investments, recommending adjustments when better options arise, and always has our best interests at heart. We trust him completely. The Beacon Pointe office atmosphere is friendly, welcoming, and relaxed, yet it’s clear the company is a well-oiled machine that operates with precision and efficiency. Tom treats his clients like extended family, as evidenced by the appreciation events he hosts throughout the year. I highly recommend Tom and his team to anyone seeking financial advice with unmatched expertise, professionalism, and exceptional customer service.
My wife and have been with Tom for now 25+years and he continues to provide us with his expertise and support. My wife and I are now both retired and thanks to Tom we are financially secure and very comfortable.
I was self-managing our finances and don’t have near the knowledge it takes to properly manage a portfolio before and during retirement. I don’t even want to guess how much money we would have lost if we didn’t join.
Tom Stefaniak and his team are the ultimate professionals you can trust. I have known Tom for 20 years, and he is an upstanding family man who cares about his clients and their success. He has built a team around him of good, kind professionals like himself. I highly recommend Tom and Beacon Pointe for your financial advice and management needs.
Fred and his very capable team have managed our portfolio and 401(k) for over 15 years. They are extremely informed and expert about market conditions, financial trends and investment strategies. In addition, they are very responsive and superb at customer service and communication. As I have told Fred frequently… we are able to sleep because Fred and his team don’t. Five stars are well deserved.
We have been with Brad Meyer for many years now and have a wonderful relationship with him and Beacon Pointe. And that’s the key word, relationship. It never feels like a transaction when we meet to discuss our financial health. It feels personal. Brad truly care about our success and is there to support us in any way possible with our setbacks. He encourages us to live our lives the way we want to all while helping us to understand and prepare for the financial implications of our choices. There is no judgement. There is healthy information, protection, and empowerment, with structured and sound plans to earn and build wealth as best as possible within our means. It is a friends and family feel at Beacon Pointe and we truly value our relationship. We never plan to leave.
Tom, Bryton, Carlos and the entire crew at Beacone Pointe have showed me and my family the utmost care and professionalism for more than 20 years. We are treated like family and we trust them to help us take care of our finances according to our needs and goals. The growth of our funds have been excellent. Everyone on Tom’s team is so responsive and helpful. If you are looking for a fiduciary, I strongly recommend them! They will take excellent care of you too.
Brad and and Beacon Pointe Advisors are awesome. They take the time to listen to your specific needs and understand the products that will help us meet our goals.
Been working with this crew for decades… their hard work and dedication is greatly appreciated. Very attentive, very forward-thinking, and easy to work with.
Tom has been managing my retirement accounts for close to 20 years. I credit him for helping me retire at only 57 years of age.
Tom and his team are attentive to our specific needs. They take the time to listen to our financial questions and are experts addressing those questions. We highly recommend Beacon Pointe, Tom Stefaniak and his team in the Denver Office!
Tom Stefaniak is great and so is his staff. They definitely know what they are doing.
Great leadership and a great team. From the reception desk to the CFP offices, Beacon Pointe Advisors will take the time to learn about you and your future goals, so that when they act in your best interests as a fiduciary, they actually know what those interests are. You will feel right at home here.
Passion, knowledge and a genuine interest in achieving the best for clients is what makes a truly professional Financial Adviser. Tom and his team have this and more. Tom makes you feel like you are his best client, his business excellence sets him apart and I would highly recommend him to anyone wanting to achieve better financial outcomes.
The most professional, personal, fun financial team you will ever encounter. Integrity is at their core and I trust them whole heartedly.
Sean and his team have been there for me through many life transitions and even tragedies. I don’t know what I would have done without them. They don’t just treat me as a client but as a friend.
At Beacon Pointe, Tom Stefaniak and his entire staff take their fiduciary very seriously. I started with this group almost 30 years ago and have always received top notch financial advice and management. I have referred this group to several of my close friends and associates. You only do that with a group that you completely trust and know you can depend on.
Thanks to Tom’s investment planning and guidance, I was able to retire comfortably at my target age 12 years ago. Since then, we’ve enjoyed financial security with excellent products that provide guaranteed lifetime income, supplementing our pension and Social Security benefits. Tom’s deep financial expertise is always communicated in a clear and easy-to-understand way. He consistently monitors our investments, recommending adjustments when better options arise, and always has our best interests at heart. We trust him completely. The Beacon Pointe office atmosphere is friendly, welcoming, and relaxed, yet it’s clear the company is a well-oiled machine that operates with precision and efficiency. Tom treats his clients like extended family, as evidenced by the appreciation events he hosts throughout the year. I highly recommend Tom and his team to anyone seeking financial advice with unmatched expertise, professionalism, and exceptional customer service.
My wife and have been with Tom for now 25+years and he continues to provide us with his expertise and support. My wife and I are now both retired and thanks to Tom we are financially secure and very comfortable.
I was self-managing our finances and don’t have near the knowledge it takes to properly manage a portfolio before and during retirement. I don’t even want to guess how much money we would have lost if we didn’t join.
Tom Stefaniak and his team are the ultimate professionals you can trust. I have known Tom for 20 years, and he is an upstanding family man who cares about his clients and their success. He has built a team around him of good, kind professionals like himself. I highly recommend Tom and Beacon Pointe for your financial advice and management needs.
Fred and his very capable team have managed our portfolio and 401(k) for over 15 years. They are extremely informed and expert about market conditions, financial trends and investment strategies. In addition, they are very responsive and superb at customer service and communication. As I have told Fred frequently… we are able to sleep because Fred and his team don’t. Five stars are well deserved.
We have been with Brad Meyer for many years now and have a wonderful relationship with him and Beacon Pointe. And that’s the key word, relationship. It never feels like a transaction when we meet to discuss our financial health. It feels personal. Brad truly care about our success and is there to support us in any way possible with our setbacks. He encourages us to live our lives the way we want to all while helping us to understand and prepare for the financial implications of our choices. There is no judgement. There is healthy information, protection, and empowerment, with structured and sound plans to earn and build wealth as best as possible within our means. It is a friends and family feel at Beacon Pointe and we truly value our relationship. We never plan to leave.
Tom, Bryton, Carlos and the entire crew at Beacone Pointe have showed me and my family the utmost care and professionalism for more than 20 years. We are treated like family and we trust them to help us take care of our finances according to our needs and goals. The growth of our funds have been excellent. Everyone on Tom’s team is so responsive and helpful. If you are looking for a fiduciary, I strongly recommend them! They will take excellent care of you too.
Brad and and Beacon Pointe Advisors are awesome. They take the time to listen to your specific needs and understand the products that will help us meet our goals.
Been working with this crew for decades… their hard work and dedication is greatly appreciated. Very attentive, very forward-thinking, and easy to work with.
Managing Directors
Charlie Farrell, JD, LLM
Partner, Managing Director
Charlie Farrell, J.D., LL.M., is one of the Managing Directors of the Beacon Pointe Advisors Denver, CO office and is responsible for working with clients to meet their investment and income objectives. Charlie focuses on managing wealth for individuals, families, and business owners, providing the full continuum of personal and family wealth management throughout all phases of his clients’ financial lives. Charlie began his career as a tax attorney helping business owners establish and fund corporate retirement plans. While working with owners who eventually retired, Charlie often received questions from clients about how to live off their money during retirement. These conversations ultimately sparked Charlie’s desire to work in investment management, prompting him to leave the legal and tax field. Charlie is the author of the book, Your Money Ratios: 8 Simple Tools for Financial Security. He is also the author of a monthly column known as the “Road to Retirement” for the Denver Post and has contributed to numerous industry publications such as The Wall Street Journal, Money Magazine, Consumer Reports Money Advisor, and Barron’s. Charlie has a bachelor’s degree from the College of the Holy Cross in Worcester, MA, and a law degree from The American University Washington College of Law in Washington, D.C., where he graduated summa cum laude. He also holds a Master of Laws (LL.M.) in taxation from the Case Western Reserve University School of Law. Charlie is a former board member of the Mountain Area Land Trust and the Denver Public Library Friends Foundation. Charlie currently resides in Castle Pines, Colorado, with his wife, and in his spare time enjoys fly fishing and riding their horses.
Fred Taylor
Partner, Managing Director
Fred Taylor is the Managing Director of the Beacon Pointe Advisors Denver office and is responsible for working with clients to meet their investment and income objectives. Fred has four decades of experience in the financial services industry and began his career in 1984. He has worked at numerous financial institutions analyzing, trading, and selling equities and fixed-income investments to institutional and retail clients. Prior to joining Beacon Pointe, Fred served as co-founder and president of Northstar Investment Advisor for 26 years. Fred is the past Chairman of the board of CollegeInvest, Colorado’s 529 college savings plan, and is a past Chairman of the Children’s Hospital Colorado Foundation board. He is also a member of the Metro State University Foundation Investment Committee and a past board member and Chairman of the investment committees of Children’s Hospital Colorado, The Denver Foundation, the Colorado Zoological Trust, the Women’s Foundation of Colorado, and Kent Denver School.
In recognition of his work with Denver’s non-profits, Fred received the Denver Foundation’s 2017 Philanthropic Leadership Award. He was also a finalist for the 2019 Invest in Others Lifetime Achievement Award, for his two decades of service to the Children’s Hospital Colorado Foundation. From 2008 to 2010, Fred served as an economic advisor to Colorado Governor Bill Ritter, and he was recently a member of the Colorado Forum, a collection of business leaders focused on critical policy issues facing the state. A Colorado native, Fred graduated cum laude from Middlebury College with honors in American History. He currently lives in Denver with his wife Claudia and enjoys skiing, tennis, golf and spending time with his children and grandchildren.
Sean Curley, CFP®
Partner, Managing Director
Sean Curley is one of the Partners and Managing Directors for the Beacon Pointe Denver, CO office. Sean has spent his career in wealth management helping clients prepare for and enjoy a secure and comfortable retirement in the context of an ongoing, long-term relationship. His recommendations are based on a careful understanding of each client’s specific situation, coupled with thorough analysis and an evidence-based approach to retirement issues and investment management. Prior to joining Beacon Pointe, Sean founded The Retirement Planning Specialists in 2001 (which merged with Beacon Pointe in 2021) and previously worked as an advisor with Foland, Curley & Associates and American Express Financial Advisors. Sean is a CERTIFIED FINANCIAL PLANNER® (CFP®) and graduated from Penn State University, Phi Beta Kappa, with honors, having earned a B.S. in Computer Science. He lives in Highlands Ranch, CO, with Mary, his wife of 34 years.
Tom Stefaniak, CFP®
Partner, Managing Director
Thomas (Tom) Stefaniak, CFP®, is a Managing Director at Beacon Pointe Advisors and is responsible for client service and new client development. With more than 30 years of expertise in the financial services industry, Tom has a passion for building relationships that go far beyond finances. Tom started his career as a Financial Planner with IDS/American Express in 1987. He quickly rose to the level of District Manager and received numerous awards for client service. In 1998, Tom co-founded Pinnacle Wealth Management, a boutique firm in Denver, Colorado (which merged with Beacon Pointe in 2023). Tom graduated from the University of Wisconsin-Milwaukee with a double major in Real Estate and Finance, holds the CERTIFIED FINANCIAL PLANNER® (CFP®) designation, and is a member of the Financial Planning Association. Outside of the office, Tom enjoys golfing, traveling (whenever his schedule can allow it), and spending time with his wife and his three adult children.
Wealth Advisors
Brad Meyer, CFP®
Wealth Advisor
As a Wealth Advisor for the Beacon Pointe Denver, CO office, Brad is responsible for partnering with Beacon Pointe’s investment and financial planning teams to provide customized solutions that help clients meet their financial goals. Prior to Beacon Pointe, Brad was a Wealth Planner at Pinnacle Wealth Management (which joined Beacon Pointe in 2023) and before that, worked at Edward Jones as a Wealth Advisor. Brad earned his Bachelor of Science in Business Administration from Creighton University and is a CERTIFIED FINANCIAL PLANNER® (CFP®) designation holder. Outside of the office, Brad enjoys watching sports, spending time outdoors hiking, camping, and playing pickleball.
Bryton Kessel, AIF®
Wealth Advisor
Bryton is a Wealth Advisor for the Beacon Pointe South Denver office and is responsible for providing personalized investment management and financial planning guidance. Prior to joining Beacon Pointe, Bryton was a Wealth Planning Assistant at Pinnacle Wealth Management, (which merged with Beacon Pointe in 2023). Bryton graduated from the University of Colorado Boulder, earning his bachelor’s degree in Economics. Outside of the office, Bryton enjoys golfing, spending time with his dog, Chop, and rooting for all the Colorado sports teams.
Carlos Diaz Montoya
Associate Wealth Advisor
Carlos is an Associate Wealth Advisor in the Beacon Pointe Denver office and is responsible for partnering with investment and financial planning teams to provide the firm’s clients with a personalized wealth management experience. His duties include investment strategy implementation, asset allocation modeling, portfolio performance reporting, and client services. Carlos spent time in the Pacific Northwest, where he graduated from Southern Oregon University with a Bachelor of Science degree in Economics and Applied Finance, in addition to being a student athlete competing on the NAIA Men’s Soccer Team. He began his professional career as an Economist for the State of Oregon before transitioning into financial services with Northwestern Mutual as a Financial Representative. In his free time, Carlos and his pup can be found hiking and fishing in the endless Colorado backcountry.
Dan Brascetta, CFP®
Wealth Advisor
Dan Brascetta is a Wealth Advisor for the Beacon Pointe Denver office and is responsible for providing personalized investment management and financial planning guidance. As a CERTIFIED FINANCIAL PLANNER® (CFP®) with 10 years of investment management experience, Dan specializes in developing well-rounded financial plans that include specialized investment management strategies. Dan started his career in financial sales, working with Oppenheimer Funds and Charles Schwab as a Regional Investment Consultant, assisting advisors with investment management research, solutions and portfolio construction. Following the completion of his CFP® designation in 2019, Dan transitioned to comprehensive financial planning roles, advising clients on Investment Management, Retirement and Estate Planning, Taxes, and more. Dan attended Oregon State University on a wrestling scholarship, graduating with a degree in Economics and a minor in Business and Entrepreneurship. Outside of the office, Dan enjoys working with his wife, Gina, on their personal training business and coaching their three boys’ baseball and wrestling teams.
James Franklin
Senior Associate Wealth Advisor
James is a Senior Associate Wealth Advisor and is responsible for partnering with Beacon Pointe’s investment and financial planning teams to provide the firm’s clients with a personalized wealth management experience. His duties include investment strategy implementation, asset allocation modeling, portfolio performance reporting, and client services. Prior to entering the financial services industry, James began his career in sales and customer service. He holds a bachelor’s degree in marketing from the University of Colorado Denver Business School. Born and raised in Minnesota, James moved to Colorado to further his education. After gaining a strong passion for the Colorado lifestyle of hiking and snowboarding, he decided to make Denver his home. Aside from his outdoor endeavors, James’s free time is spent hanging out with his rescue dog, Jake and trying new recipes in the kitchen!
Julia Stauffer
Associate Wealth Advisor
Julia is an Associate Wealth Advisor in Beacon Pointe’s Denver office. Through a comprehensive financial planning process, Julia helps clients plan for their long-term goals and objectives. Partnering with the firm’s advisory teams, she provides tailored guidance in areas such as income and tax planning, charitable and estate considerations, and investment management. Prior to joining Beacon Pointe, Julia was an advisor service representative and, before that, worked as a private equity fund accountant. She graduated summa cum laude from Colorado Christian University with a degree in Accounting and Business Administration, with an emphasis in Finance. Julia is currently pursuing her CERTIFIED FINANCIAL PLANNER® (CFP®) designation. Outside of the office, Julia enjoys exploring local coffee shops and spending time outdoors, whether playing volleyball and pickleball or hiking with her husband and friends.
Lexi Schmidt, CDFA®
Wealth Advisor
Lexi is a Wealth Advisor within the Beacon Pointe Denver, CO office and is responsible for partnering with the firm’s investment and financial planning teams to provide customized solutions that help clients meet their financial goals. She is dedicated to providing her clients with individually tailored solutions and strives to achieve the optimal alignment between their wealth, values, and goals. Lexi began her career in product marketing before entering the financial services industry. Originally from Minnesota, Lexi spent most of her youth in Naples, Florida, before attending and graduating from Florida State University. She moved to Colorado in 2018 and enjoys all things outdoors. In her spare time, she enjoys hiking with her husband, Cameron, and dogs, Louie and Roo, cooking, creating art, and spending time with family and friends.
Luke Jackson
Associate Wealth Advisor
Luke is an Associate Wealth Advisor and is responsible for partnering with Beacon Pointe’s investment and financial planning teams to provide the firm’s clients with a personalized wealth management experience. His duties include investment strategy implementation, asset allocation modeling, portfolio performance reporting, and client services. Luke earned his bachelor’s degree in Personal Financial Planning from the University of Colorado Boulder, and he is currently earning experience for his CERTIFIED FINANCIAL PLANNER® (CFP®) designation. Luke is a Colorado native and enjoys spending time with friends and family, photography, skiing, and is an avid sports fan.
Michael Beaulieu, CFP®
Wealth Advisor
Michael Beaulieu is a CERTIFIED FINANCIAL PLANNER® (CFP®) and Wealth Advisor in Beacon Pointe’s Greenwood Village, CO office. Through a comprehensive financial planning process, he helps clients plan for their long-term goals and objectives so they can retire comfortably and confidently. Michael specializes in retirement planning, including income and tax planning, charitable and estate considerations, and investment management. He offers customized investment solutions to ensure each client’s specific goals are met before and during retirement. Prior to joining Beacon Pointe, Michael was a Financial Planner with The Retirement Planning Specialists. Michael graduated cum laude from Colorado State University’s honors program with a degree in Business Administration and a concentration in Financial Planning. Michael serves on the Board of Directors of the Dumb Friends League, a leading animal welfare organization. A Colorado native, Michael enjoys cheering on the Denver Nuggets, and trying new restaurants around his community.
Rashad Khan
Regional Director
Rashad Khan is a Regional Director in the Beacon Pointe Advisors Denver office and is responsible for new client development. Prior to joining Beacon Pointe, Rashad held roles at Fidelity Investments as a Workplace Planning Consultant and at Charles Schwab as a Vice President Financial Consultant, where he advised clients on Investment Management, Retirement and Estate Planning, Tax Planning, and more. Rashad attended the University of Colorado at Boulder, graduating with a Bachelor of Arts degree in Psychology. During his time there, he also helped run his family-owned Indian restaurant, Curry n Kebob. Outside of the office, Rashad enjoys spending time with his wife and daughter, traveling, supporting Colorado sports teams, and dining at new restaurants in the Denver area.
Seth Guenther, CIMA®, ChFC®, CLU®, CEBS®, CRPS®
Senior Wealth Advisor
Seth is a Senior Wealth Advisor in the Beacon Pointe Denver, CO office with over 20 years of investment experience and is responsible for client service and new client development. As a Certified Investment Management Analyst and a Chartered Financial Consultant, he specializes in portfolio construction, portfolio management, and all phases of a financial plan to provide customized solutions for client goals. Prior to joining Beacon Pointe, Seth was with Oppenheimer Funds, where he worked as a consultant to Registered Investment Advisors (RIA). His previous role included portfolio analysis, business coaching, and finding ways to make RIA’s more efficient. Prior to Oppenheimer Funds, he worked with Mutual of America, where he focused on non-profit organizations and foundations, assisting with investment solutions and employee benefits. He graduated from the Metropolitan State University of Denver with a Bachelor of Science degree in Finance. Seth holds five industry designations: CIMA®, ChFC®, CLU®, CEBS®, and CRPS®. Seth enjoys anything sports-related, coaching, and traveling with his wife and five children.
Truett Davis
Senior Associate Wealth Advisor
As a Senior Associate Wealth Advisor in Beacon Pointe’s downtown Denver office, Truett is responsible for partnering with the firm’s investment and financial planning teams to provide customized solutions for clients with a personalized wealth management experience. His duties include investment strategy implementation, portfolio performance reporting, asset allocation modeling, and client services Prior to joining Beacon Pointe, Truett worked as a medical device sales consultant in Vail, CO where he worked with orthopedic trauma surgeons. He decided to make a career pivot after finding a passion for investing, financial planning, and helping people make sense of their complex financial journeys. Born and raised in Denver, CO, Truett graduated with distinction from Colorado College with a bachelor’s degree in History and was a member of the lacrosse team. He currently holds his Series 65 license and is actively pursuing his CERTIFIED FINANCIAL PLANNER® (CFP®) designation. Outside of the office, Truett loves spending time in the mountains with his family and friends and is an avid fly fisherman and skier.
Client Service & Operations
Cheryl McDonald
Senior Office Management Associate
Cheryl is a Senior Office Management Associate and is responsible for a variety of tasks that ensure the smooth operation of the Denver office. Her responsibilities include client service, database organization, and general office management duties. Cheryl brings her stellar management and customer service skills to Beacon Pointe through many years of nonprofit work, having spent 12 years serving in the Programs Department at Rose Community Foundation and the Urban League of Metropolitan Denver. Prior to joining Beacon Pointe, Cheryl was a Business Manager and Compliance Administrator for Northstar Investment Advisors. Cheryl studied Elementary Education/Education at Hastings College in Hastings, Nebraska where she was a member of the Women’s Basketball Team. She is also a past national member of the Association of Black Foundation Executives and regional member of the Rocky Mountain Region – Grants Managers Network. Outside of the office, Cheryl enjoys spending time with her husband, children and grandchildren and is an avid sports fan.
Greta Martignetti
Client Service Associate
Greta is a member of the Beacon Pointe Client Service Department and is responsible for partnering with the firm’s investment and wealth management teams to provide an elevated service experience for clients. Her duties include account administration, processing new and existing account paperwork, money transfers, communicating with clients, and assisting with day-to-day service requests. Greta graduated from University of Maryland with a bachelor’s degree in communication. In her free time, she enjoys hiking, traveling, going to concerts and festivals, practicing yoga, and spending time with her friends.
John Riecke
Operations Manager, Head Trader
John is the Operations Manager and Head Trader for the Beacon Pointe Denver office. He is responsible for overseeing day-to-day firm operations, implementing policy and procedures to improve efficiency, executing trades for retail and institutional accounts, and managing the Advisor Support team to provide an exceptional client experience. John holds a degree in Political Science from Southern Methodist University and enjoys biking, transit, and urbanism. His professional goals are to make his team’s lives easier and to ensure that his employees are fulfilled and content.
Denver Financial Services
Our process and attention to detail ensure your wealth plan allows you to make smart choices about your financial future through informed decisions.
Wealth Management
Our team uses their expertise to design a tailored financial solution for your family and assets.
Investment Management
We offer customized investment solutions with diverse strategies on an open platform.
Estate Planning
We’ll help ensure you have the necessary documents in place to protect your family and legacy.
Retirement Planning
We help clients achieve their best retirement by making smart, informed choices now.
Connect with one of our trusted Financial Advisors in Denver.
We are here to be a partner with you on your personal wealth journey. Please contact one of our Newport Beach teams if we can be of service.
