You hate the number on that return, and the fair question is whether anybody planned the year that produced it. Send it over and Steven Palmieri reads it before you talk, so the twenty minutes goes on what a plan would have changed and what can still be decided before this year closes. Bring the quarterly payments too if you made them, because the rhythm of what you sent in during the year often says more than the return itself does. No charge, and nobody chases you afterwards.