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Velform Chin Wrap

The Velform Chin Wrap System to reduce double chins is an easy to use device to help firm up sagging skin. This device works by simply using a 2 step process. A gel that works to tone and tighten your neck skin and a wrap that lifts the skin and helps the gel penetrate deeply.

First, apply the gel all over your chin and neck area. This will actually work to reduce the amount of hanging fat there (they dub it the “vanishing” gel for a reason!) Then, simply strap on the chin wrap, tightening or loosening as comfortable for your facial shape.


The gel contains the active ingredients gotu kola and rosa mosqueta. These ingredients help shrink and tighten the skin. The Velform Chin Wrap also known as the chin reaffirmer repositions the chin line, sculpting it and allowing the gel to fully penetrated and go to work.

The combined two step process will tone the skin again, raising and firming your sagging chin and neck areas, giving you back the elasticity you took for granted in your younger or more slender days.

Velform Chin Wrap System to reduce double chin

Make sure to use the Velform chin wrap and gel process twice daily. Use once in the morning for 10 minutes and once at night for 20 minutes. By using this system twice daily for the designated times, many people have seen great results within one week of purchase. Improved results will be seen within a week and a marked improvement is seen by many within a month.

The reviews at Amazon on the Velform Chin Wrap are generally positive. Many reviewers say that the Velform Chin Wrap has helped them to lose their double chin, once and for all, and they had a great experience with the product. They also mention the cream is soothing and has improved the texture of their skin as well. However, some reviewers think that the Chin Wrap is embarrassing to use, as it encircles the whole head, and can give a puffy appearance while being worn.


It does not look that attractive while you are wearing it, but when you consider the results it is worth it.

The initial investment relative to the results is minimal.

You don’t have to go through life with a double chin that you hate, and you don’t have to break the bank or do something you are not comfortable with by getting plastic surgery or liposuction. With the invention of the Velform Chin Wrap along with other great double chin removing products, everyone can have the beautiful, sleek jaw line they desire.

Click here for the Velform Chin Wrap System to reduce double chin

Olay Regenerist Micro Sculpting Cream

Click Here for Olay Regenerist Micro-Sculpting Cream.

Have you ever wondered how you can have a firmer, younger looking neck without spending thousands of dollars and time on invasive surgeries or fillers?


Face and neck lifts and fillers like botox can be extremely costly, plus scary. It is hard to trust someone with your face and neck when you could be left with an unsatisfying look that you feel doesn’t represent you. Surgery can also leave terrible bruising that takes months to heal.

Before you spend time and money on cosmetic surgery, try a face and neck lift cream. There are several excellent creams on the market. One of these that has rave reviews is Olay Regenerist Micro-Sculpting Cream.

Olay Regenerist Micro-Sculpting cream really works thanks to it’s strong concentration of amino-peptides and innovative use of marine proteins. These ingredients work to restore your skin’s elasticity. As we age, our skin sags, leaving us looking older and tired. The Olay Regenerist Micro Sculpting Cream will help firm your skin restoring youthful elasticity.

The cream will also minimize the appearance of lines and wrinkles, further smoothing out your face and giving you a youthful glow.

Olay Regenerist Micro-Sculpting Cream, 1.7 Ounce

The cream can work wonders on both your chin and neck. Firming the skin on your neck that hangs as you age, creating unsightly jowls, and reducing your neck and chin’s wrinkles will give you an amazing boost of confidence and make you look younger. So, how does Olay Regenerist Micro-Sculpting Cream. tighten your skin, bringing back the elasticity of your youth? It literally lifts and sculpts the skin. The cream is basically tightening the skin up again to what you looked like when you were younger.


The reviews on this face and neck cream are overwhelmingly positive. This micro-sculpting cream has changed thousands of necks and faces. One woman states that “I purchased this cream after seeing the commercial about it being better than creams that cost $350. I have been using it for months on my jawline only. I am 60 and the firmness of my jawline was starting to grow soft. This cream really and truly made a difference!! This cream is amazing as it really did “resculpt” my jaw line. I will never be without this cream.” A mother states that “I purchased this item on a Wednesday, I saw a difference by the following Saturday. I have no buyer’s remorse about this purchase. I am so pleased! Thank you, Olay Regenerist Micro-Sculpting Cream.!”

Seriously – who needs to buy a $500 cream or a $5,000 surgery when you can purchase this incredible cream for SO much less. It retails for under $20.00.

At the very low price point and with such positive reviews, Olay Regenerist Micro Sculpting cream is a good bet to try if you want to firm and smooth your face, jawline and neck.

Click Here to Try Olay Regenerist Micro-Sculpting Cream.

ResDermatrol Anti Aging Cream

***IMPORTANT: Resdermatrol is no longer available. We recommend trying DERMAGIST. This is a top notch cream at an affordable price point.***


Click here for DERMAGIST

If you are tired of a wrinkled neck and facial skin, you will want to try a quality cream. ResDermatrol anti aging cream works on both facial and neck skin to tighten, firm, smooth and improve.


Instead of undergoing painful and expensive surgical treatment, remove both fine lines and deep wrinkles with ResDermatrol wrinkle cream. ResDermatrol is proven in clinical studies to reduce the depth and volume of wrinkles, smooth skin texture, fight age spots and soften the signs of aging.

In clinical trials, ResDermatrol reduced the signs of aging by 75%, reducing 45% of the fine lines and wrinkles around the eyes and 65% of the lip lines of users.

Even if you don’t have fine lines or wrinkles, you can use ResDermatrol to boost collagen production to retain skin elasticity and prevent fine lines and wrinkles from developing in the future.

Because it is made primarily of natural ingredients, ResDermatrol anti aging cream is safe for dry, oily, sensitive and all other skin types. In fact, there is no clinical evidence of any ResDermatrol user who experienced adverse reactions or side effects when using this anti-aging cream.

The main ingredient in ResDermatrol anti-aging skin cream is reserveratrol, a nutrient and natural anti-oxidant found most commonly in the skin of grapes and often referred to as the red wine anti-oxidant. Reserveratrol helps flush toxins, reduce inflammation that causes cellular aging and restores a youthful look to skin.


In addition to reservatrol, ResDermatrol includes six potent peptides and other natural ingredients that help reduce the effects of aging. The reservatrol and peptide complex reduces the inflammation that occurs naturally in skin as a result of the COX1 enzyme to prevent skin from swelling and stretching, which produces wrinkles. Additionally, the peptides inhibit muscle contractions in the face that result in the formation of expression lines around the mouth, nose and eyes.

ResDermatrol is suggested for use primarily on the face and neck to remove wrinkles around the eyes and mouth and on the forehead, and to sculpt wrinkles and loose skin on the neck. The cream is also effective at improving skin radiance, smoothing and refining the complexion and defining the lips.

To use ResDermatrol, rub the cream onto your face in the morning and allow it to dry before applying any cosmetics. At the end of the day, remove your makeup and apply the cream again before heading to bed. Applying the product twice daily produces the best results, results that are noticeable for many, after only a week of use.

Apply the cream under the eyes, on the sides of the nose and on the upper cheeks to reduce fine lines and wrinkles in those areas. Reduce wrinkles in the forehead by rubbing the cream up the sides of your nose and onto the forehead, pulling the skin upward as you apply the cream. To sculpt the neckline, rub the cream up the neck and sides of the face, while lifting the skin.

Wherever you apply the cream, focus more intense rubbing on the problem areas of skin. This helps the cream penetrate more deeply in those problem areas to produce the desired results.

How to Lose a Double Chin

The face is the most prominent and defining feature of the human being. We know people by their faces. We read emotions and communicate ideas through facial expressions. Very often, a person’s looks are judged by their face.


For these reasons and more, eliminating the double chin is an important goal—not only for your physical appearance, but also for your general health. Here are some tips on how to lose a double chin.

Healthy Weight

The number one way to reduce fat and sagging skin around the jaw and neck is to achieve and maintain a healthy weight. This is easily accomplished, not through fads and diets, but from a steady, consistent culinary lifestyle of health. Choose a way of eating that not only is maintainable, but that is “you.” The goal here is to establish healthy eating patterns that you can carry through your whole life, not just a two week diet. Also it is absolutely crucial that you drink plenty of fluids every day, and concentrate on water. Water flushes out toxins and literally slims you down.

Making a few simple changes in your daily life can help you take off pounds easily. Here are some simple tips –

– A recent report by Virginia Tech researchers found that people who drink a glass of water prior to eating breakfast, consume 75 less calories. This results in a weight loss of almost 7 pounds a year and is so easy. Through out the day drink plenty of water and iced tea. Avoid soda (diet or regular), juice and other drinks that can pack on the pounds. Consider buying an iced tea maker. It is inexpensive and makes delicious iced tea. Hamilton Beach 40911 2-Quart Electric Iced Tea Maker
– Reach for protein snacks, like eggs, string cheese and nuts. They will give you satiation. If you want cookies or candy, be sure to combine it with protein so you stay in control
– My personal favorite weight loss method does not require counting calories or points. It does not involve special shakes, bars or other foods. I have personally found it easier than anything else. And it is surprisingly easy and the cost is the price of a book. Read about it here: The FastDiet: Lose Weight, Stay Healthy, and Live Longer with the Simple Secret of Intermittent Fasting

Exercise

Simply eating properly is not enough; you must stay active! Don’t give fat a chance to settle down in any part of your body, especially around your face! Find an exercise routine that fits into your lifestyle and focuses on your area of need. If you have a double chin, there are exercises specifically designed for reducing chin fat. Information on these exercises are easily obtained online. But don’t just focus on the double chin, keep moving all day long to achieve a balanced weight and figure.

It is also truly amazing what a Neckline Slimmer can do. This little device is under $15 and can make a tremendous difference in your neckline. Read more about it here; Neckline Slimmer

Included in exercise is the element of proper posture. Sitting and standing tall and aligned, with your head held high, not only gives you an air of confidence, but it dramatically improves the appearance of your face and neck. Proper alignment reduces the double chin and is the instant way to looking slimmer!


Neck Firming Cream
There are many high-quality toner creams out there that can help you eliminate the double chin. Toner creams are an excellent and easy choice for daily maintenance, and a fantastic alternative to cosmetic surgery! After evaluating many of them the clear choice is Dermagist Neck Restoration Cream. Read more about it here; Dermagist Neck Cream.

Also, experiment with make-up, or ask a cosmetologist to teach you. There are simple ways to reduce the appearance of a double chin and focus on the other parts of your face that you’re proud of. Don’t be shy. Be bold and confident! Click here to read, How to Hide a Double Chin.

In conclusion, there are many ways to get rid of a double chin. Some of these ideas are the fastest, easiest, and most effective for the look of a necklift without surgery.

Remember, attitude is the most important factor of all. Take charge of your appearance today and be consistent, and you will quickly see the results you dream of!

Neck Wrinkles

Knowing how the deal with neck wrinkles can be a struggle. There’s so many treatment options out there, and you may not know the best way to approach your unique problem. One of the most effective and dramatic treatments for neck wrinkles is neck lift surgery. Neck lift surgery unquestionably works, but it is invasive, expensive, and may cause scarring. However, with a good plastic surgeon and proper procedure a neck lift can be a great, permanent option.


Fillers are another option. Botox is often used for treating neck wrinkles and sagging necks. Botox is a temporary fix that works with the muscles in your neck to firm up your skin to reduce sags and wrinkles. The injections only take a couple of minutes and are relatively painless. If you want to maintain the results, you will need semi-regular Botox injections. Laser skin tightening is another possibility. You will want to discuss these treatment options with a board certified plastic surgeon to see if they are right for you.

There are many methods you can try at home to help with wrinkles on the neck. Though these will not give as dramatic results as surgery, they can be very beneficial and improve the neck area.

First, like the old saying goes; an ounce of prevention is worth a pound of cure. If you haven’t developed neck wrinkles taking precautions is always advised. If you have wrinkles you will want to take action to prevent future ones from forming. You should wash your neck just like you wash your face, to prevent dirt and oils from damaging the skin. If you are going to be out in the sun, wear sunscreen, as sun damage is one of the leading causes of skin aging. Moisturizing on a regular basis can help prevent neck wrinkles and plump up the ones that are already there.


Exfoliation can help rejuvenate the neck. With exfoliation dead skin cells are removed revealing the skin below. This helps diminish the signs of wrinkles and damaged skin. There are a number of ways to exfoliate. One method is the MicrodermMD Microdermabrasion At Home system. This device brings the many benefits of microdermabrasion into your home at a very affordable cost. You can pick it up at Amazon here: MicrodermMD – Home Microdermabrasion Machine w/ AUTO Mode – Medical Grade – Diamond Tip – Anti Aging

In addition, using a quality anti wrinkle cream is advised. One good one to try is Dermagist Neck Restoration Cream.

Another non surgical treatment for neck wrinkles is the Microcurrent face lift. This is a non-invasive procedure that uses soft electric stimulation to promote skin health and repair, dramatically reducing the appearance of neck wrinkles and fine lines. You can enjoy the benefits of a microcurrent face lift at home using a . Other methods to consider include at home red light therapy and neck exercises. These techniques require multiple treatments to be effective and are not as dramatic, but they have far fewer risks and potential side effects than neck lift surgery.

When considering which treatment to pursue to deal with your neck wrinkles, be sure to weigh all the pros and cons of each option. Consider your budget, expectations, time table, and health concerns. It’s always advisable to talk to a doctor before beginning any new skin treatment. You can be free of neck wrinkles and look years younger. There is no “correct” path to take, so take your time and make the best choice for you.

Neck Liposuction

Have you struggled to get rid of your double chin, but nothing seems to work? Even if you lose weight everywhere else, it can seem like your neck fat simply stays put, unwilling to budge. Many people get fat deposits in their neck even though they aren’t overweight, and can’t find a way to address them on their own. If you are in this situation, neck liposuction may be for you.


For many people, neck liposuction presents a better option than neck lift surgery because it avoids the scars and surgical look of a finished neck lift procedure. Those who are good candidates for neck liposuction don’t have issues with loose skin as much as unattractive fat deposits. Neck liposuction is not a good option for wrinkle removal or addressing “turkey neck,” a product of a muscle issue in the neck, although it can easily be combined with other procedures to address multiple problems.

Neck liposuction is performed with a powerful vacuum machine that removes excess fat cells through a series of carefully placed steel tubes. Pain killing medication is administered during the procedure, which generally takes an hour to complete. Unlike many plastic surgery procedures, neck liposuction is an outpatient procedure. After you recover from the anesthesia, you will be free to go home, although it may be advisable to have someone else drive for you.

After neck liposuction has been completed, you will have to wear a supportive bandage to allow the remaining fat cells, muscle tissue, and skin to readjust to the radical change and heal properly. During the time you wear the supportive bandage, your skin and muscles will repair themselves and tighten, resulting in a more attractive look.


Neck liposuction may leave some residual scarring, and some patients opt to undergo chemical peels or laser resurfacing to address these scars. This will vary from person to person, and the amount of scarring, if there is any, will depend on the individual procedure. Your plastic surgeon can advise you about what to expect, and any treatments that you should consider in addition to neck liposuction.

There are many plastic surgeon who perform neck liposuction, so do your homework and check for reviews of their work before you book a procedure. When you go for your initial consultation, prepare yourself by writing down questions and researching neck liposuction so your doctor can address any specific concerns you may have. Your surgeon may want to perform blood tests and a physical examination. They do so with your best interests at heart; to ensure that you are healthy enough for the surgery and to determine if they need to take any special precautions or use alternative medications.

A neck liposuction procedure can take years off your appearance and give you a new confidence that you never thought was possible. Neck liposuction has a minimum of potential complications and side effects compared to most other surgical procedures. Ask your doctor for more information, and to determine if neck liposuction is right for you.

Non Surgical Neck Lift

If you have a sagging neck that lets everyone know how old you are, you’re not alone. But what can you do about it? Getting a neck lift delivers results, but costs thousands of dollars, is incredibly painful, and involves invasive surgery. Fortunately, thanks to advances in medical science, you can now get a non surgical neck lift. One popular method is by using radio wave frequency.


A non-surgical neck lift offers the ability for you to enjoy firmer, tighter skin around your jawline, reduces the appearance of scarring, and softens the lines that can lead to wrinkles. The use of targeted radio waves combined with cooling waves allows health care professionals to perform a neck lift without surgery. When the hot radio waves come in contact with your skin, it causes a reaction in your collagen. The collagen reacts to the radio waves by tightening and strengthening, which leads to firmer, healthier, younger looking skin.

During a radio wave non surgical neck lift procedure, you may experience some pain, and you may have swelling for roughly a week. It’s possible that you could experience burns to your skin in the event of a mishap, but with a skilled technician there are very low chances of burns occurring.

Before the procedure begins, you may be given pain medication. What type and how strong varies depending on the areas worked, the machinery used, your health, and what a doctor recommends. Typically, oral medication will be given in combination with a topical medication. The area will be numb before the procedure starts.

The radio frequency machine emits pulses to the skin, when the technician passes it over the areas being treated. Some people don’t feel anything at all, and others do experience some degree of pain. This all depends on the individual and the medication given; there is no accurate way to predict what you will experience personally. The procedure takes about two hours from start to finish. If you were given a very strong pain killer, you may need someone to drive you home. Your doctor will let you know beforehand if this is the case.


Unlike a traditional neck lift, the radio frequency non surgical neck lift will not show results immediately. It takes time for the collagen in your skin to react and respond to the radio waves that they were exposed to. You can expect to start seeing results in one month, with the final results manifesting themselves after roughly six months. After your skin has fully adjusted, the results of the procedure will last from five to ten years. If no problems appeared after the procedure was conducted, there will be no long-term health effects.

A neck lift without surgery is a great option for those who don’t want anything as drastic as a full-blown plastic surgery procedure, but still want to address their aging skin. A radio wave non surgical necklift offers a less expensive, less invasive alternative to conventional medical procedures while still giving you the youthful look you crave and the confidence you need.

We share more methods for a non surgical neck lift in our article; Neck Lift Without Surgery.

Dermagist Neck Restoration Cream

Click Here for Dermagist Neck Cream

If you have a sagging neck, odds are you’ve already explored some treatment options. A neck lift works wonders, but it’s expensive, invasive, and you may have permanent scarring. There are many heavily advertised creams and ointments on the market, but they have results that are limited at best. Fortunately, there’s a cream that’s unlike any other cream available that delivers consistent, proven performance. Dermagist Neck Restoration Cream (formerly knowns as Dermajuv Neck Restoration Cream) is a unique solution to sagging, aged neck skin that works in as little as 30 day. Dermagist Neck Cream wins top honors as the best neck firming cream.


What makes Dermagist neck cream different from the competition is its five-pronged approach to total skin care and aging reversal. The special blend of ingredients in Dermagist neck restoration cream restore sagging skin to its firm, youthful state, all while fighting wrinkles and deeply moisturizing.

Click Here for Dermagist Neck Cream Neck firming cream

The first ingredient in the Dermagist neck restoration cream blend is Matrixyl, which is a highly refined peptide. This peptide helps the skin generate its own collagen, which restores the smoothness and elasticity of your neck while fighting those deep, stubborn wrinkles. Next comes Seaflash, a product refined from sesame that serves as a long-term moisturizer, which further works to reverse wrinkles and promote general skin health. Shea butter serves as an additional moisturizer to provide instant relief and speed the results you need.

Dermagist neck restoration cream features the cutting edge technology of stem cells to help your neck regenerate youthful, healthy skin cells. Stem cells are wonder molecules that have more and more medical applications everyday. Dermagist neck restoration cream is one of the only neck creams on the market to deliver targeted stem cells combined with a powerful moisturizing solution to deliver results that most creams promise, but few actually provide. To make sure the other ingredients can work most effectively, hyaluronic acid is added to the blend to help your skin retain moisture without the greasiness and unpleasantness of even the best moisturizers.


You won’t believe the results from Dermagist neck restoration cream, or the speed at which you see them. Dermagist neck restoration cream delivers dramatic skin improvements in just 30 days. If you’re hesitant to give it a try, you can rest easy knowing that Dermagist neck restoration cream comes with a 30 day money back guarantee. If you don’t like it, send it back and get a hassle-free refund. Unlike competitor’s neck creams, you really can have a risk-free trial.

There’s no better time to try Dermagist neck restoration cream. You can try it risk free, and the longer you wait, the worse your sagging neck will become. There is no other cream that delivers this blend of ingredients and works so quickly and effectively. There’s no need to spend thousands of dollars on invasive, risky surgery when such a wonderful product is available for a low price with a money-back guarantee. You can search high and low, but you will not find a more powerful, medical grade solution to your neck problems than Dermagist neck restoration cream.

Click Here To See More Results With Dermagist Neck Cream

Neck Lift Surgery

As we age, our genetics, gravity, the sun, and everything we consume or exposure ourselves to takes a toll on our appearance. One of the first places to show the signs of aging and damage is the neck. As we age, many of us develop excess skin and unwanted wrinkles, folds, double chins, and more. Neck lift surgery is one of the most effective ways to treat these conditions, but it is not for everybody. Before you consider neck lift surgery, you should understand the benefits and the risks.


The first step towards neck lift surgery is a consultation with a plastic surgeon. Your surgeon will look over your medical history and make sure you are healthy enough for the procedure. Make sure you tell your surgeon what your goals are with as much detail as possible. Your surgeon will let you know if those goals are realistic, and if so, what it will take to obtain them. Some surgeons charge for consultations, but may put the subtract the cost of the consultation from the price of the surgery if you decide to proceed. Whatever you do, don’t feel pressured to book on day one; take your time and consider everything.

If you decide neck lift surgery is for you, you’ll have some preparation to do. You will be given directions to follow, such as stopping certain pain relievers and avoiding certain substances. You will most likely be given some prescriptions that you should fill before you have your neck lift surgery. In addition, your surgeon may want to do some routine blood work and have a general examination to make sure that any potential complications are identified and addressed so they don’t become problems.

A neck lift surgery may only require two incisions behind and below your ears, or more under your chin if the surgeon is altering you platysma muscle. The platysma muscle is responsible for holding your skin firm and taught, and it may be altered as part of your neck lift surgery. Your surgeon will let you know exactly where incisions will be made and what will be altered and changed. You may or may not have stitches afterward, it depends on the nature of your individual neck lift surgery and what the surgeon views as the best recovery path.


It’s common to experience discomfort and pain after a neck lift surgery, but this canbe managed with medication. A neck lift surgery also offers the advantage of seeing results as soon as the bandages come off, although you may experience some swelling, bruising, and generally not look like yourself for a little while after the procedure. However, recovery is quick and the results will be drastic and permanent.

Talking to a plastic surgeon is the best way to see if neck lift surgery is appropriate for you. When you go to your consultation, write down any questions you have to make sure you don’t forget them. There are no stupid questions, so don’t be bashful. Preparation is the name of the game, so go slow and don’t be afraid to ask for help if you need it!

Laser Skin Tightening

One method used to tighten neck skin and the chin area is laser skin tightening. Though laser neck tightening is not as dramatic as a surgical neck lift, it can be beneficial. Often it is used in combination with fillers such as Botox.


With a laser skin tightening procedure, a doctor or technician uses a highly focused laser to heat up very small sections beneath the outer layer of your skin. This intense and precision-focused heat causes the lower layers of your skin to react by producing collagen. As the collagen rushes to heal the damage done by the laser, it becomes a permanent part of your skin’s structure, firming and tightening the affected skin immediately.

How Fast Does It Work?

You will be able to see noticeable results the minute you finish the procedure, though the results will slowly become more and more pronounced over a period of three to four weeks. The effect are permanent, which is not to say that you will stop aging, but that the collagen produced through this procedure will remain a part of your skin. For best results a series of treatments will be needed.

Will Anyone Know I’ve Had A Cosmetic Procedure?

The results of a laser neck lift will vary from person to person. More dramatic in some and less so in others. It really depends on how the skin looked to start with and it is best to discuss realistic expectations with a trained specialist There are no outward signs indicating that a procedure has been performed such as scarring, sores, sutures, or bandages. Because all of the action takes place beneath the outer layers of your skin, you can go about your daily business soon after with no downtime.


What Areas Does Laser Skin Tightening Work On?

Laser skin tightening has been used with success to tighten neck skin, the chin area, saggy knees, elbows, underarms, and other body parts. Often loose skin is more pronounced in non-facial areas on the body, so keep in mind that the procedure has it’s limits. You’ll see improvements, but you can’t get back the neck you had at nineteen through laser skin tightening.

How Much Does It Cost?

Laser skin tightening isn’t too awfully expensive when compared to other cosmetic procedures and surgeries. Prices will vary depending depending on the location and equipment used. Expect to pay several hundred dollars a session. Often discount packages are available for multiple sessions. This compares favorably to injected wrinkle fillers like collagen. The bonus here is that a collagen injection will eventually wear off, but the natural collagen produced through laser skin tightening are yours to keep.

Many physicians and laser hair removal centers offer free consultations. This is a good way to evaluate if laser skin tightening is right for your needs and discuss all the options.