why do you have to discuss the financial plan over the phone while you're overseas serving? Why can't it wait the 4 or 5 weeks until you get back, aren't you allowed to concentrate on the task you have at hand without having to add insult to injury. It's ok, you can say it's not convenient for you, it gets your mind out of focus and you need to be focused while you're out there. I would do this, it's simple, I've been thinking about this and my head isn't in the right place to discuss financials with you while I'm serving in Afghanistan, too many things going on over here for me to give this discussion the kind of attention it needs.