I guess the biggest challenge I faced was that I had a beneficiary call in very upset one time because the person that had helped them prior had accidentally messed up their plan which in turn completely messed up everything on the beneficiaries end and I understand why they were upset I would have been upset too and you know I just make that note to them people want to be heard you know they want their feelings to be heard seen cared for taken into consideration all that so I made that known to them and then I did what I could on my end to help fix everything and make them happy