Category: Uncategorized

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How long have you been working with PFAN and what made you want to join?

I joined PFAN as a Director just over 2 years ago. I had connected with other Board members Nicola and Paul via my role at HUB24 as Head of Group Marketing and Communications. HUB24 has been a long-term supporter of PFAN through our community and social initiative HUBempower, and supporting PFAN is very aligned to our purpose as a company to ‘empower better financial futures, together’.

Personally, I have experienced the benefits of having access to financial advice and I have worked in the financial services industry for a long time, so I really wanted to give something back. I felt that I could use my skills and access to resources to support PFAN and get financial advice to those who need it the most.

What does your role with PFAN entail?

Initially, I started as Company Secretary but also wore my marketing hat. Now I am fully focused on driving awareness of PFAN with advisers and the broader financial services community – alongside the incredibly talented and committed marketing team at HUB24 who go above and beyond to support the PFAN cause.

What is the best thing about working with PFAN?

It really is hearing the stories from both the advisers and the clients they have helped. Often these clients and their loved ones are coping with incredibly traumatic circumstances and having the peace of mind around their finances is literally life-changing for them.

What would you say to anyone else considering joining PFAN?

Do it. We definitely need more advisers to join our network and more support from the broader financial services industry to keep growing awareness so we can keep providing support to more Australians managing a critical illness.

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How long have you been working with PFAN and what made you want to join?

I’ve been involved with PFAN at the Board level since November 2019. In July 2021, I was elected Chair. Before this, I volunteered as a PFAN adviser, helping numerous clients and hosting various webinars and presentations within the MS community.

A friend who lives with Multiple Sclerosis and is a financial counsellor made me aware of the PFAN organisation. We met through a mutual friend who I met during an MS fundraising walk across the Great Wall of China.

What does your role with PFAN entail?

I’m lucky enough to be able to focus on promoting PFAN to the financial profession and the wider public by hosting various conversations and information sessions. Having a team of dedicated board members with a range of skills and various support teams behind the scenes (such as our PFANs team and the HUB24 team), it means that as Chair of PFAN I can focus on this part of my role, knowing that we’re all working towards PFAN’s objective of providing a network of trusted advisers who can assist individuals in their time of need.

What is the best thing about working with PFAN?

Knowing that we’re working towards making a difference to individuals and their families who are impacted by a health condition and experiencing financial hardship. In addition, we’re promoting the great work the financial planning profession does – in this case pro bono, so we’re creating change on two fronts for the broader community.

What would you say to anyone else considering joining PFAN?

It is the most amazing experience being able to change people’s lives and not expect anything in return. Knowing that you are changing someone’s life using the skills we use every day is an incredible feeling.

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How long have you been working with PFAN?

I joined PFAN as a board member in July 2023.

What does your role with PFAN entail?

As a board member of PFAN my role is to work alongside the other PFAN board members and set the strategic direction of the organisation and ensure that PFAN meets its purpose.

The board track and monitor the achievement of PFANs strategic goals and ensure robust risk management and governance practices are in place to enable the long-term viability and sustainability of PFAN.

What is the best thing about working with PFAN?

Working with dedicated and highly skilled board members who volunteer their time to assist clients who are unwell and financially unable to afford advice, the ability to access life-changing financial advice from a network of professional financial advisers.

What would you say to anyone else considering providing their professional expertise via the Pro Bono Financial Advice Network?

Providing life-changing advice to clients who need it most is a rewarding way of making a valuable difference to our communities.

Sydney, 24 April: The Pro Bono Financial Advice Network (PFAN) is pleased to announce new partnerships with Pancare and MND Victoria, creating more opportunities for people living with a serious illness or disability to access pro bono advice.

Established in 2014, PFAN is a network of financial advisers who provide pro bono financial advice to those in need. Since inception, PFAN has been working with the Multiple Sclerosis network throughout Australia, connecting individuals through referral partners to locally based advisers. Now, through new partnerships with Pancare and MND Victoria, PFAN will also support people affected by pancreatic and Upper GI cancers, and those diagonosed with motor neurone disease.

Advisers registered with PFAN are given the opportunity to take on one pro bono client per year.
PFAN Chair Nicola Beswick said the opportunity to connect more individuals living with a personal health crisis with local based advisers is central to the organisation’s mission.

“Helping to improve the financial wellbeing of Australians living with a serious illness or disability is the reason behind PFAN’s inception. So being able to extend the network of charities we work with means we can help more people in need with access to financial advice.

“We can only achieve this milestone due to the generosity financial advisers throughout Australia have provided to PFAN, and the ongoing support from our corporate sponsors HUB24, Innova, Milford and supporters TAL, Zurich Assure, Intraprac, FAAA, SMSF Association, Professional Planner, Adviser Ratings.

“As an adviser myself, I know first-hand the value of advice in helping to reduce financial worries and stress and create a clear pathway forward for clients in terms of feeling confident about being able to plan for and achieve a comfortable retirement. Having access to advice is nothing short of life-changing, especially for people who are experiencing financial hardship because of a personal health crisis.

Head of Pansupport programs David Menzies says support from organisations like PFAN for patients are incredibly invaluable, especially where out of pocket costs can, at times, be out of reach for a lot of people.

“Evidence suggests that over five percent of patients and carers in our recent survey reported out of pocket costs in excess of ten thousand dollars, which causes stress on household budgets in the current cost of living crisis.[1]

“Being able to link our patients into the PFAN network helps alleviate the stress of trying to manage their personal finances, whilst dealing with a cancer diagnosis and undergoing treatment.”

MND General Manager Support Services Jo Whitehouse says an MND diagnosis is life changing and as such, seeking financial advice early on can be crucial.

“We’re delighted to partner with PFAN as they provide pro-bono financial advice through their network of financial advisers, which aligns with our mission of providing and promoting the best possible care and support to people living with MND.”

Many of the advisers who join the PFAN network and become part of its community offer their financial planning expertise because they want to make a real difference to people’s lives.

My Wealth Strategy Senior Financial Planner Bruno Dimasi said: “Having seen first-hand the impact these conditions have on the lives they effect, and the remarkable work the associated charities do for them, I wanted to give back and help out as best I could which is in the area of financial planning.”

Find Wealth Founder and MD Warren Strybosch said: As a founder of a not-for-profit myself, I am keen to make a difference in my local community where possible. So, it was an easy decision to join the PFAN community to offer my financial planning services to those who are in need.”

PFAN Chair Nicola Beswick said: “Through PFAN, it is our hope to inspire the next generation of advisers and increase awareness of the value that we bring to others through our profession. So, I encourage any adviser who is interested in giving back to consider joining.”

For more information about PFAN please visit : https://www.probonoadvice.com.au/ or join the PFAN community on LinkedIn at Pro Bono Financial Advice Network (PFAN): Overview | LinkedIn

– Ends –

For media enquiries contact:

Natalie Pennisi
npennisi@hub24.com.au
P: 03 9275 7835
Nicola Beswick
P. 0450 227 877
Email nicola@nicolabeswick.com

About PFAN
The Pro Bono Financial Advice Network (PFAN) was established in 2014 by a group of concerned industry stakeholders including licensees, product manufacturers and professional bodies and is a not-for-profit organisation. PFAN puts individuals in contact with licensed financial advisers that have offered to provide pro bono advice in line with best practice.

PFAN’s mission is to improve the financial wellbeing of Australian’s living with serious illness and/or disability, through providing pro bono financial advice, and to inspire others to do the same.
PFAN is for individuals who have been referred by PFAN partners and are experiencing significant financial hardship as a result of a personal health crisis and require financial advice assistance.

About Pancare and MND Victoria
Leading charity Pancare is committed to inspiring hope, raising awareness, supporting families and funding research for upper gastrointestinal cancers.

MND Victoria provides and promotes the best possible care and support for people living with MND.

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[1] State of the Nation: Upper Gastrointestinal cancers in Australia

MEDIA RELEASE

Sydney, 31 May: The Pro Bono Financial Advice Network (PFAN) is pleased to announce Zurich Assure, Interprac and Sequoia have joined the PFAN adviser network, supporting advisers to deliver pro bono advice to people living with a personal health crisis.

Established in 2014, PFAN is a trusted network of industry professionals who are focused on providing pro bono financial advice to those in need. Currently, PFAN works with the Multiple Sclerosis network throughout Australia, connecting individuals through referral partners to locally based advisers. Advisers registered with PFAN are given the opportunity to take on one pro bono client per year.

PFAN Chair Nicola Beswick said she is delighted that Zurich Assure, Inteprac and Sequoia have joined the PFAN network to help improve the financial wellbeing of people in need.

“Our mission is to help improve the financial wellbeing of Australian’s living with serious illness or disability, by providing pro bono financial advice, and to inspire others to do the same. Through our PFAN adviser network, we’re able to connect advisers with people who need financial advice assistance and are experiencing significant financial hardship because of a personal health crisis.

“Having the support from trusted brands like Zurich Assure, InterPrac and Sequoia enables us to service more clients and ultimately extend our services to others that need our assistance. We also hope to inspire the next generation of advisers and increase awareness of the value that we bring to others through our profession.”

As a market leader in helping advised clients to navigate the insurance claims process, Zurich Assure has offered its support and assistance to the PFAN community.

Head of Zurich Assure Sandhya Maini said: “Recent research conducted by Zurich shows that in the event of an illness or injury impacting their primary income, almost 40 per cent of individuals would only have sufficient financial resources for up to two weeks. In addition, one in three people indicated they had no financial backup plan in these circumstances.

“Seeking and obtaining the right advice at the right time can make a significant and positive difference. For this reason, and consistent with our values as an organisation, Zurich remains committed to helping those most in need.”

Through PFAN, InterPrac and Sequoia’s network of advisers can now register their interest in providing pro bono financial advice.

InterPrac CEO Garry Crole said: “InterPrac and Sequoia are pleased to support those who need advice the most, by participating in this program. In our opinion, the best investment any one can make, is to appoint a financial planner or wealth coach.”

Feedback from advisers who have signed up to the PFAN network have expressed the importance of giving back by offering their professional services in kind to those who need it the most.
Sovereign Advisors Managing Director Zaheer Lalani said: “As trusted professionals in the business of providing financial advice, it is not only suggested but incumbent on us all to share our time and knowledge with those who need us most.”

Border Financial Advice Managing Director Tom Border said: “I understand that financial literacy isn’t necessarily accessible to everyone – it can be costly and involve complicated concepts and legislation. I would like to use the knowledge I’ve gained over 25 years in the industry to help others.”

For more information about PFAN please visit : www.probonoadvice.com.au or join the PFAN community on LinkedIn at Pro Bono Financial Advice Network (PFAN): Overview | LinkedIn

For media inquiries contact:

Natalie Pennisi
npennisi@hub24.com.au
P: 03 9275 7835

Nicola Beswick
nicola@nicolabeswick.com
M: 0450 227 877

By Nicola Beswick, Chair, Pro Bono Financial Advice Network

Our vision is to ensure that Australians living with a personal health crisis who need access to financial advice but are unable to afford it, can obtain it through the Pro Bono Financial Advice Network (PFAN). To achieve this vision we work with the fantastic financial advisers in our network to connect them to the  individuals in need who are experiencing significant financial hardship, specifically as a result of serious illness or disability, and require financial advice assistance.

Two questions we are often asked is how does the PFAN referral process work? and what is expected of PFAN advisers?

How does the PFAN referral process work?

For advisers who want join PFAN

Advisers who wish to join PFAN complete an application form which identifies their areas of advice expertise. The application must then be signed by the adviser’s licensee to provide approval to deliver pro bono advice.

Once the application is processed, the adviser is added to our PFAN adviser register and receives their welcome and onboarding information.

For Clients who want advice

PFAN clients are referred to us by the Multiple Sclerosis (MS) Australia network who promote the availability of pro bono financial advice via advertising and informational webinars.

On referral to PFAN, individuals complete an application form which details their personal circumstances, and financials. This information is processed through a simple algorithm which determines client eligibility for pro bono assistance.

The adviser and client matching process

As PFAN clients are identified within a particular region, the PFAN support team emails all advisers within the region with high level details of the advice assistance required and to seek willingness (and availability) to assist with the pro-bono case. The support team confirms adviser approval to take on the case and then connects the adviser with the client via an introduction email.

What is expected of PFAN advisers

Advisers are expected to make contact with the client within two working days of the case being assigned and then progress with the relevant advice delivery process. The advice or financial guidance required by PFAN clients varies greatly – it may be as simple as assistance with completion of forms or more complex cases such as identifying insurance benefits in super. In our experience to date, we have found the vast majority of cases to be relatively simple requirements and only a one-off advice consultation is required.

From time to time, clients who receive financial advice may as a result of this, no longer be in financial hardship and be able to fund any ongoing advice requirements. This is a negotiation between the adviser and client and any revised arrangement is then put into place. PFAN is clear in setting expectations with the MS Network referrers and clients who use the service that the pro bono financial advice only applies where financial hardship is evidenced and ongoing.

Once advice has been successfully delivered, PFAN Support team gets in touch with both adviser and client to discuss satisfaction with the process and obtain (optional) testimonials which are extremely valuable in marketing and promoting the PFAN service more widely in the community.

On behalf of our clients, we thank you

We thank all of the wonderful PFAN advisers who have provided invaluable and often, life-changing assistance to our PFAN clients.

And if you would like to consider pro bono advice, remember that just taking on one case a year will make that life-changing difference to a person in need.

Join us and our mission to improve the financial wellbeing of Australians living with MS through providing pro bono financial advice. The more advisers we have as part of PFAN, the more communities we will be able to serve.  This ultimately makes our profession stronger through building awareness of the benefits that financial advice can bring to all of us.

By Natalie Kleibert, Deputy Chair, Pro Bono Financial Advice Network

Pro bono financial advice sounds like a good thing to get involved in. Using the same skills you use in your everyday job as a financial adviser to help people in need, but not expect anything in return, is indeed a great way to contribute to the greater good. But what if there are other powerful benefits to generously providing your time and expertise through pro bono work, such as improved mental health, a renewed passion for your career, and that giving your time can give you time?

Recent studies have shown the positive consequences of generosity for givers. Generosity has especially strong associations with psychological health and wellbeing; such as greater quality of life, greater vitality, and self esteem. Volunteering one’s time and expertise may also change how people view the world, making them value cooperation, interdependence, and their own good fortune. Doing good for others who need help provides a natural sense of accomplishment and a sense of pride. The better you feel about yourself, the more likely you are to have a positive view of life and your future goals.

Financial advice is a career that is dedicated to helping people. The numbers and spreadsheets are usually the easy part. The gratification is that you are building relationships, helping human to human. For the most part, your business proposition is likely focused on a certain cohort or demographic within the community, in which you have experience or specialty; which is great for business and building a strong reputation. Working within different communities, such as the MS community that PFAN supports, exposes you to new perspectives, issues, and challenges that may be remote from your experience. This is a great way to build awareness around the diversity of human experience and need. It can also stretch your thinking to more creatively hone your expertise across areas such as communication and the process of advice delivery. Putting a fresh viewpoint on how your skills can benefit others can help bring additional meaning and purpose to your life, and reignite your passion for financial advice.

Common questions around getting involved in pro bono work centre around how much time does it really involve? After all, just finding a happy balance between ‘normal’ work and life is a challenge for many. While the actual time that people have in a day cannot be increased (everyone gets 24 hours!), interesting research has found that people’s subjective sense of time affluence can be increased when spending time on others. This research compared spending time on other people with wasting time, spending time on oneself, and even gaining a ‘windfall’ of free time. It found that spending time on others makes people feel highly effective and capable. That same duration of time is perceived as longer when more has been accomplished, when it is ‘fuller’. So, spending time helping others, may make you feel like you have done a lot with your time – and the more you feel you have done with your time, the more time you feel you have.

We think it’s time you consider pro bono advice. And the time you need to devote to helping need not be onerous. Just taking on one case a year will make a life-changing difference to a person in need, and many advisers taking on one case a year helps a whole community.

For example, Australia’s multiple sclerosis (MS) community is in need. Every week, 10 people are diagnosed with MS, three in four are women and the average age is between 20 and 40 years old. Some of these individuals are not able to afford or access the valuable benefits that financial advice delivers. That’s why Pro Bono Financial Advice Network is dedicated to helping connect these individuals with the dedicated and generous advisers in our network who give their time to help.

Join us and our mission to improve the financial wellbeing of Australians living with MS through providing pro bono financial advice. The more advisers we have as part of PFAN, the more communities we will be able to serve.

REFERENCES

Mogilner,C.,Chance, Z., & Norton, M. (2012), Giving time gives you time, The Wharton School, University of Pennsylvania; Yale School of Management, Yale University.

Allen, S. (2018), The Science of Generosity, Berkeley University The Greater Good Science Centre

By Nicola Beswick, Chair, Pro Bono Financial Advice Network

Giving to charity does not always have to be about giving money to an organization.  It can be about giving your time and expertise to those less fortunate.  This is what the Pro Bono Financial Advice Network (PFAN) is about.

At this year’s AFA conference, I talked about a lovely lady I assisted who came to me through the Network.   Her story highlights the small difference we can make, as advisers, to change people’s lives.

I met Laura in late April 2021. She had completed our request for help form with the basics as her multiple sclerosis (MS) impacts her ability to concentrate on one task at a time.

Like any client, we spent around an hour talking about her situation.  Laura got in contact with us because she was running out of money fast. For a range of factors including COVID, and her MS Laura had struggled to find a job. Knowing she needed money, Laura had taken two lots of $10,000 out of superannuation to help meet the basics. Laura confessed to me that although she knew it wasn’t ideal, but she had no other choice.  

Laura lived in a home she built and moved into two months after her MS diagnosis. She was using her Centrelink payments to fund her mortgage repayments, but the burden was getting real. She wanted advice around whether she should sell her home or not.  Her savings had disappeared. She told me how much she was beginning to hate her house.

Our conversation went along these lines:

“What is your mortgage balance, how much do you think the home would be worth?” The answer – not a lot of equity. If she sold, she would never be able to purchase another home.

“Tell me about your superannuation…” “I have around $40,000”… “Do you have any insurances?” – Laura’s answer. Nope, I don’t have any. “That’s ok – do you mind sending me a statement and signing an authority to enquire on your account for you”. “Sure, ok.”

She sent me her statement, which was around 12 months old. The statement noted a TPD policy for an amount that would pay off her mortgage and leave a residual amount to assist her with her living.

Laura had no idea, and I didn’t want to get her hopes up until I had confirmed this directly. A few weeks later, we confirmed the insurance was still active.

Our next meeting, went along these lines:

“I’ve done some investigating on your superannuation, and you have an insurance policy.”

“The amount of cover you have will enable to you pay off your mortgage, so you don’t have to sell your home.

This is going to help change your life!”

I share this story to highlight the importance of what we do as advisers by guiding others through some of the most emotionally daunting times in their lives, and especially if they’re impacted by a serious illness.

Someone in this position is unlikely to seek financial advice because they are afraid of the cost of obtaining advice. And they may not be aware of programs such as PFAN which offer access to advice, and more often than not, deliver real financial benefits. If Laura had not gotten in touch, she would have eventually lost the insurance policy, most likely would have sold (or lost) her house, and detrimentally impacted her future without even knowing it.

I approached Laura as I do with any other client. All processes and procedures were the same as my typical day to day work.  However, one of Laura’s MS symptoms is chronic fatigue, which impacts her ability to concentrate.  I ensured everything we discussed was confirmed back to her in an email, like I do already,  but with one small difference. I  broke the process and communications down into smaller bite-sized chunks to make it easier to assist with our conversations and progress.  I also provided simple explanations of concepts that sometimes we may forget our clients do not understand. 

Many advisers know that sometimes the assistance you provide your clients is not that complex. It can be going through the basics and making sure people know where to start. It can also be complex given life’s uncertainties, challenges and changes. The financial planning profession is about the people it serves and their lives. Expert guidance, compassion and support is what we deliver on the job every day. Pro bono advice is simply doing what we do every day without expecting anything in return.

It’s easy to get involved. You can help by taking on just one case a year. That’s one person’s life you are changing. Multiply this by all the  advisers in the PFAN program, and that’s a significant difference we can collectively contribute to the community.

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By Niall McConville, Director, Pro Bono Financial Advice Network

About me and my journey

My Dad was diagnosed with Multiple Sclerosis (MS) at the age of 55. While dealing with the devastating diagnosis and an uncertain future, Dad discovered he was eligible to receive an income protection payout. That discovery changed the course of his life and mine. 

I realised how important it is to educate people about the often-complex world of finance. Because the smallest changes can make the most significant difference. I said goodbye to my nearly 10-year career in intellectual property law, and I committed to helping people plan for a financially secure future. 

I have now been in the financial planning industry for just over seven years.  During these seven years, I have time learning from many various professionals in conjunction with many years of industry-specific study. I have completed my Certified Financial Planner®, Accredited Aged Care Professional™, and SMSF Specialist Advisor™ qualifications. And if that wasn’t enough, I am currently undertaking a Master of Financial Planning (thanks FASEA!).

My Dad’s MS Journey

It took Dad’s medical team years to settle on a diagnosis because Dad didn’t fit into ‘the box’ of those who are commonly diagnosed with MS. 

Dad’s symptoms manifested in his inability to use his right arm. Dad, like most of us, is right-handed. Take a moment to think about all the things you do with your dominant hand – the everyday things in life you don’t give much thought to like writing, shaving, getting dressed, doing your shoelaces…the list goes on.  All these things became a challenge for him. 

As Dad’s MS got worse, he was unable to use a lot of his right side. The positive news is that since that early deterioration, Dad’s MS has remained dormant. Others aren’t so fortunate, with their deterioration concentrated over a short time. The nature of this insidious disease means that no one knows how or when they will be impacted. There is no cure for MS, so all you can do is control the symptoms with an array of drugs.

Giving back to the community through the Pro-bono Advice Network

My experience with my Dad not only changed my career direction; it inspired me to look at the bigger picture and find other ways to assist the 25,600 plus Australians living with MS through both fundraising and advocacy.  

I started providing pro bono financial advice to individuals and families going through a health crisis first as a member, and now a Board Director of the Pro Bono Financial Advice Network (PFAN).   I have also been honoured to be collaborating with PFAN’s Board and the MS Educational Team to prepare and present a series of webinars targeted to individuals with MS, their carers and their families, about the benefit of obtaining financial advice. Following my Dad’s diagnosis, that the events that surround his journey, this is and always will be a cause very close to my heart. 

The webinars’ purpose is to highlight to the MS community the value and benefit of consulting with a financial adviser to ensure adequate current and future financial plans are in place. Using real-life examples of individuals that came directly from the MS Connect Support team, the webinars explained the role and scope of a financial adviser, outlining how an adviser assisted the individual in the example provided.

Two of the many case examples include:

I am 45 years old, I had been diagnosed with MS about 15 years ago, it has been a slow progression up to now, and I had to cut back on my work. My two kids are in their late teens. I am a single mother, my ex-husband is not involved with the children or me.  I am finding that I can no longer work as I make mistakes and cannot stand.

I was let go three months ago after ten years of working in insurance; I am 55 years old.  Even though I am “looking for work”, I know I cannot hold on to a job, my memory is just not there anymore.  I live with my wife, who works and also is my carer.  I feel like I am not contributing, and that is a problem for me.

While these are only basic pieces of information, we developed fictional financial situations to show the difference a financial planner can make to someone’s long-term position. Such as outlining the insurances someone has within their superannuation and how a successful claim on these can materially improve their ongoing cash flow, or what strategies can be employed to maximise someone’s Disability Support Pension payments.

Some success stories

There have been so many positive experiences through the work I do with the MS community.

I’ve had the privilege to provide pro-bono advice to a 63-year-old lady whose primary concern was the loss of her Centrelink Pension, and what had been her only source of income for many years. The loss was as a result of an inheritance from her late mother.  As her MS impacted her attention span, all concepts had to be explained slowly and in basic terms. Fortunately, her son had financial power of attorney and was able to assist in all decision-making processes. I prepared an advice document to invest her funds to receive a higher income and mapped out how to maximise her superannuation contributions over time.

Another example is a couple with two teenage children.  They were after an understanding of their overall position. The husband had been living with MS for around seven years and had recently reduced his working commitments. His wife, a self-employed bookkeeper, managed the family finances. I prepared a roadmap of their current position, the timeframe around repaying their small outstanding mortgage and provided an overview of their superannuation and insurances for their future understanding (should the need arise). This provided much-needed comfort to them, as they gained security and peace of mind around where they were headed.

Conclusion

These are only two of the countless people I’ve met along my journey so far.  However, this work a privilege. Not only has it equipped me with a deeper understanding of financial planning, but it has also given me a humbling sense of perspective. To reiterate an article recently written my fellow PFAN board member, Niall McConville, giving back to the community provides a sense of fulfilment through positively impacting the lives of others and their families. It also helps increase the positive value that obtaining financial advice provides within the community, further expanding an appreciation for the work we all do. I encourage you all to consider joining PFAN. It’s a beautiful way to support those, at a time when they need support the most.