Sign in

Distinctive Living

Get personalized guidance

For pricing & availability

Distinctive Living partners with senior living communities to provide assisted living, memory care, and independent living services. Their communities focus on providing holistic care in five Dimensions of Wellness — learning, connecting, activity, spirituality, and giving. Distinctive Living communities offer healthy, dietician-approved meals, places for worship, and opportunities to learn new life skills. Those seeking memory care will benefit from Distinctive Living’s Moments Matter program. This balanced approach to care supports residents with lifestyle programming tailored to their specific needs. With this thoughtful approach to care, Distinctive Living has earned 861 reviews and an average review rating of 4.1 out of 5.

8.5

Review Score

861 reviews
29 communities
Starting from $X,XXX/mo

Distinctive Living community listings

Showing 29 communities
Sort by
Filter by
Awards
best-meals-and-dining
best-meals-and-dining
Review Score
Care Type
See communities with

Liana of North Sarasota

2630 University Pkwy, Sarasota, FL 34243

Starting at$X,XXX+ monthly
Photo of Liana of North Sarasota
13
13 Photos available
9.5
Review Score
11 reviews

So this is what one of my coworkers reviews placed Liana Living of Sarasota stands out as one of the most exceptional memory care facilities I’ve encountered. What truly sets it apart is its extraordinary...

Provides: Memory Care

Tylers Mill Senior Living

1674 Delsea Dr, Deptford, NJ 08096

Starting at$X,XXX+ monthly
4
4 Photos available
9.4
Review Score
69 reviews

For the most part, this facility is great. Especially [name removed]. She couldn't have been more helpful. All of the aides are great except for one who is particularly nasty. Also, mom lost socks, panties...

Provides: Assisted Living, Memory Care

Tylers Mill Senior Living at Deptford is an assisted living and memory care community in Deptford, New Jersey.For more detailed information about amenities, features and services, or to schedule an appointment, please call us.

... Read more

Mira Vie East Brunswick

606 Cranbury Rd, East Brunswick, NJ 08816

Starting at$X,XXX+ monthly
12
12 Photos available
9.3
Review Score
13 reviews

I gave high marks on every facet of Mira Vie. The place is clean and neat, the administration is responsive, the aides are attentive, medical care is given when needed.

Provides: Assisted Living, Memory Care

The Chelsea offers an attractive new lifestyle alternative for older adults who may be experiencing some difficulty managing on their own at home. The Chelsea offers a gracious environment with many beautiful common areas. It is conveniently located within a short distance of shops, restaurants,...

... Read more

Mira Vie West Milford

197 Cahill Cross Road, West Milford, NJ 07480

Starting at$X,XXX+ monthly
10
10 Photos available
7
7 Floor plans available
9.3
Review Score
44 reviews

The staff do lots more nice things for the residents than families know. Room size is great and Ellen, the activities person is just wonderful and creative.

Provides: Assisted Living, Memory Care, Independent Living

The Chelsea at Bald Eagle is a beautiful assisted living community located beneath the picturesque Wyanokie Mountains in West Milford, Passaic County, New Jersey. Our safe and secure community provides various housing options depending on personal preference, from spacious suites and studio...

... Read more

Mira Vie Warren

274 King George Rd, Warren, NJ 07059

Starting at$X,XXX+ monthly
12
12 Photos available
1
1 Floor plans available
9.3
Review Score
16 reviews

I will give them a 4 only because there was a change in management that seems to have shifted the "vibe" there over the last 3 months or so. I would recommend.

Provides: Assisted Living, Memory Care, Independent Living

The Chelsea at Warren offers an attractive new lifestyle alternative for older adults who may be experiencing some difficulty managing on their own at home. The Chelsea offers a gracious environment with many beautiful common areas. It is conveniently located within a short distance of shops,...

... Read more

Mira Vie Toms River

1657 Silverton Road, Toms River, NJ 08753

Starting at$X,XXX+ monthly
17
17 Photos available
6
6 Floor plans available
9.3
Review Score
17 reviews

We put my sister-in-law at Mira Vie in Tom’s River. At first, she was very shy and didn’t want to come out of her room (which by the way is beautiful). So they hooked her up with all of the therapies she...

Provides: Assisted Living, Memory Care

Located just minutes from the Garden State Parkway and close to the Jersey shore, The Chelsea at Toms River provides a comfortable and relaxing environment for seniors to spend their golden years. We feel independence, socialization, and an active lifestyle are vital to wellness, so our residents...

... Read more

The Fairways at Naples

3053 Airport Pulling Rd, Naples, FL 34105

Starting at$X,XXX+ monthly
26
26 Photos available
9.2
Review Score
12 reviews

They meet the needs to there residents. They had a care givers social that was amazing! Over the top! I like that it is one level and that they cap the residents to 50. No one is ever left behind!

Provides: Memory Care

An elegant yet comfortable community that provides privacy and security while encouraging interaction through our many programs.Specifically for those who require continuous care, The Fairways at Naples provides proven, life enriching programs that combine each resident's unique life experiences,...

... Read more

Bellevue at Neese Road

756 Neese Road, Woodstock, GA 30188

Starting at$X,XXX+ monthly
13
13 Photos available
4
4 Floor plans available
9.2
Review Score
96 reviews

I have been a resident here for 5 years and this place has been my home sweet home. I came with 2 broken legs and bad health with the help of several staff member helped bring me back to a better me,...

Provides: Assisted Living, Memory Care

Come and see Legacy Ridge at Neese Road's new renovations.

Mira Vie Manalapan

445 Route 9 South, Manalapan, NJ 07726

Starting at$X,XXX+ monthly
10
10 Photos available
7
7 Floor plans available
9.2
Review Score
17 reviews

Mira Vie is okay. My ex-husband never was and obviously still is difficult. However, l feel they need more staff, not only for the patients' care, but also for maintenance of the facility. But, I have...

Provides: Assisted Living, Memory Care

The Chelsea at Manalapan offers the very best of town and country assisted living.Located in the beautiful town of Manalapan, Monmouth County, fine shopping and dining are literally at our front door, surrounded by beautiful views of peaceful countryside and farmland. Step outside and relax under...

... Read more

The Village at Bellevue

8118-B Sawyer Brown Rd, Nashville, TN 37221

Starting at$X,XXX+ monthly
17
17 Photos available
4
4 Floor plans available
9.0
Review Score
48 reviews

The staff at The Village at Bellevue are kind, friendly, and supportive. My brother loves the food and appreciates the kitchen staff's willingness to substitute items for things he doesn't like. There are...

Provides: Assisted Living, Memory Care

Putting More Life Into Senior LivingAt The Village at Bellevue you don’t have to give up on your best senior living life. It’s waiting for you here, where you can trade the stress and isolation that often comes from living life at home for a community full of activity, leisure, and great care.We...

... Read more

Our free advisors can help

Please enter a valid full name.

Please enter a valid email address.

Please enter a valid phone number.

By sharing your contact information, you agree to our Terms of Use and Privacy Policy. You also consent to receive texts and calls from us and our community customers, including telemarketing and/or advertising, even if your number is on a Do Not Call list. Outreach may be during quiet hours under all applicable laws, auto-dialed, or may use pre-recorded or artificial voice. Your consent is not a condition to using our service. Msg and Data Rates may apply. Msg frequency varies. Text HELP for Help. Text STOP for Stop.

Silver Comet Senior Village

4900 Richard D Sailors Pkwy, Powder Springs, GA 30127

Starting at$X,XXX+ monthly
9
9 Photos available
9.0
Review Score
70 reviews

Taking improve more people to work some of the workers are lazy they can improve their friendliness. Some them are rude. They can improve on the cleaning of the rooms. They're not clean up to standard. Some...

Provides: Assisted Living, Memory Care, Independent Living

A landmark for purposeful living, Silver Comet Village redefines retirement living. Offering independent living, assisted living and memory support options, Silver Comet Village is the best place to live and create new memories, experience life, and enjoy the company of family and friends. At...

... Read more

Mira Vie Montville

165 Changebridge Road, Montville, NJ 07045

Starting at$X,XXX+ monthly
12
12 Photos available
8.9
Review Score
46 reviews

My relative was at Mira Vie in West Milford. She liked it there very much and felt that she got good care. She made friends and enjoyed the ambience of the place.

Provides: Assisted Living, Memory Care

Located in Morris County, The Chelsea at Montville offers several senior living options in a comfortable setting. Our spacious community offers areas to sit and meet new people, space to enjoy a book from our library, opportunities to listen to a resident or guest play our piano, or take a...

... Read more

Crescent Fields at Huntingdon Valley

2507 Philmont Ave, Huntingdon Valley, PA 19006

Starting at$X,XXX+ monthly
25
25 Photos available
8.9
Review Score
19 reviews

I was looking for a new living experience for myself. Wanted independent living with activities for active seniors. Needed some assistance because I am not a driver. I wanted a close by community close to my...

Provides: Assisted Living, Memory Care, Independent Living

Bella Mar Delray Beach

14100 Via Flora, Delray Beach, FL 33484

Starting at$X,XXX+ monthly
12
12 Photos available
5
5 Floor plans available
8.8
Review Score
39 reviews

My mom has lived here for 1.5 years and she loves it! The staff is caring and takes great care of the residents. The food is good as well. The facility is very clean and they have a variety of scheduled...

Provides: Assisted Living, Memory Care

Mira Vie Clifton

782 Valley Rd, Clifton, NJ 07013

Starting at$X,XXX+ monthly
13
13 Photos available
15
15 Floor plans available
8.8
Review Score
17 reviews

Super friendly staff. Facility well located near highways. Less ideal is residents want to walk outside of the premises. My mom liked to take long walks and was slightly restrained by the location

Provides: Assisted Living, Memory Care

Bellevue at Woodstock

1000 Professional Parkway, Woodstock, GA 30188

Starting at$X,XXX+ monthly
11
11 Photos available
4
4 Floor plans available
8.5
Review Score
67 reviews

[name removed] was extremely helpful and accommodating. The staff we met were extremely friendly and caring. I would recommend.

Provides: Assisted Living, Memory Care

Enjoy An Active LifestyleWhen you walk through the doors at our assisted living and memory care community in Woodstock, Georgia, you will quickly discover a vibrant and active group of seniors who are eager to embrace this season of life with passion. Tucked within the beautiful and historic...

... Read more

Liana of Venice

2321 E Venice Ave, Venice, FL 34292

Starting at$X,XXX+ monthly
5
5 Photos available
8.5
Review Score
9 reviews

All of management and staff really care. Chef [name removed] makes the best meals I've ever seen. Absolutely tons of activities...basketball (sitting), painting, crafts, pets come visit, recently dogs and...

Provides: Memory Care

Parkdale Senior Living

44315 N Gratiot Ave, Clinton Twp, MI 48036

Starting at$X,XXX+ monthly
6
6 Photos available
8.4
Review Score
33 reviews

Clean, staff friendly. Director of nursing is very helpful .. rooms are big . A lot of activities, dining is okay. Depends on what they are serving. My mother in law is very picky

Provides: Assisted Living, Memory Care, Independent Living

You deserve to retire in peace without having to worry about the little things. Our community is designed to make life carefree. At The Parkdale, convenience meets comfort to offer our residents a senior living oasis they’re happy to call home. Your loved one never has to worry about being...

... Read more

Maumee Pointe Assisted Living and Memory Care

1050 Medical Center Pkwy, Maumee, OH 43537

Starting at$X,XXX+ monthly
9
9 Photos available
8.2
Review Score
16 reviews

Everything is made fresh! A little on the pricey side, but the Apartments, Personal Care, Aides, Nurses, Chef and management of the facility are wonderful ! We are very happy with our choice for our mom And...

Provides: Assisted Living, Memory Care

Introducing Maumee Pointe, where our beautiful community becomes the backdrop to your new life and your fresh start. Be proud to call our community home with its well-designed, updated apartment homes with convenient features to delicious dining, enriching activity offerings, and beautiful...

... Read more

Mira Vie at Greenknoll

680 Route 206 N, Bridgewater, NJ 08807

Starting at$X,XXX+ monthly
13
13 Photos available
7.9
Review Score
30 reviews

Hello this is [name removed] and I love the Chelsea. They are very good and they have wonderful people working here everybody’s good and [removed] I guess. My favorite part is the activity room with all the...

Provides: Assisted Living, Memory Care

Located in Bridgewater, New Jersey, The Chelsea at Bridgewater is conveniently located in a peaceful, serene wooded area in Somerset County. Residents enjoy personalized assisted living services in private and semiprivate suites in a variety of attractive styles. Residents are welcome to...

... Read more

Mira Vie Brick

458 Jack Martin Blvd, Brick, NJ 08724

Starting at$X,XXX+ monthly
11
11 Photos available
4
4 Floor plans available
7.9
Review Score
24 reviews

The best part is how friendly and helpful everyone is. My mom is always saying how well cared for and respected she feels. They could improve on maintenance issues and housekeeping of the individual...

Provides: Assisted Living, Memory Care

The Chelsea at Brick, an extended Assisted Living Community offers comfort, convenience and security. Our Senior Living Community combines private suites and shared units with services such as restaurant style dining, housekeeping, transportation and many different activities. The Chelsea at...

... Read more

Mira Vie Brookfield

1 Brookfield Ct., Belvidere, NJ 07823

Starting at$X,XXX+ monthly
13
13 Photos available
7.7
Review Score
13 reviews

From the initial visit, back in July, through moving in day [date removed] until now we are extremely pleased. The director, nursing staff, everyone has been terrific. She has her meds managed by [name...

Provides: Assisted Living, Memory Care

Located in a beautiful country setting surrounded by mountains and open space.  The Chelsea at Brookfield offers three different levels of senior living: concierge level of living, assisted living, and Country Cottage, in private and semi-private apartments.  For residents with...

... Read more

Mira Vie Forsgate

319 Forsgate Dr, Monroe Township, NJ 08831

Starting at$X,XXX+ monthly
13
13 Photos available
3
3 Floor plans available
7.7
Review Score
29 reviews

What a blessing this facility—and [name removed]—has been over the past six months. I was so concerned about finding a place suitable for my mom, who has lived with me for over 18 years. After touring the...

Provides: Assisted Living, Memory Care

Located in Monroe Township, NJ, The Chelsea at Forsgate offers a variety of senior living options, including assisted living and memory care. We aim for our residents to maintain an active and independent lifestyle within a caring and supportive environment. We offer a lifestyle program that...

... Read more

Mira Vie Fanwood

295 South Ave., Fanwood, NJ 07023

Starting at$X,XXX+ monthly
11
11 Photos available
28
28 Floor plans available
7.7
Review Score
10 reviews

My Mother has been at the facility for approximately 45 days as of today. The facility is very clean and the staff is very nice and attentive to her needs. I love that her medical needs can be met on-site....

Provides: Assisted Living, Memory Care, Independent Living

NEW INFOAvg resident age is 94 !! Age Min 65 years plus plus Best towns for referrals to be coming from/desired location:UNION COUNTY- Fanwood/Scotch Plains- Plainfield- Westfield- Cranford- Clark- Rahway

... Read more

Brooklyn Pointe Assisted Living and Memory Care

4800 Idlewood Dr, Brooklyn, OH 44144

Starting at$X,XXX+ monthly
19
19 Photos available
7.4
Review Score
31 reviews

The staff was wonderful. From the aides, kitchen staff, housekeeping etc. Yes, we would recommend this community to other families based on the experience we have had so far.

Provides: Assisted Living, Memory Care

Welcome to a new kind of senior living at Brooklyn Pointe Assisted Living and Memory Care located in beautiful Brooklyn, Ohio. The community opened in November, 2018 with all new, state of the art programming for seniors needing Assisted Living or Memory Care. With a focus on wellness and...

... Read more
Viewing 1-25 out of 29 communities

Reviews
for Distinctive Living

8.5
Review Score
1,155 reviews

Review Score

1,155 reviews
8.5

Out of 10


5 star

65%

4 star

21%

3 star

8%

2 star

3%

1 star

5%

A Place for Mom has scored Distinctive Living with 8.5 out of 10 using our proprietary review score based on 570 reviews in the last 2 years. Over all time, Distinctive Living has 1,155 reviews with an average "overall experience" of 4.1 out of 5.

Overall Experience
748
233
85
32
57
Date Submitted
116
307
570
Reviewer
74
823
205
26
Care Received
478
24
653
1-20 of 1155 reviews
Sort by

5.0
Anonymous - Family/Friend
Memory Care
September 12, 2025
Verified Review
Inspired Living at Ocoee

Our experience from the initial sales meetings, moving our daughter into Memory Care, her transition to Inspired and subsequent dealings with staff have been excellent. The facility is beautiful but the staff is really what's important and Inspired's is outstanding.


5.0
Anonymous - Family/Friend
Assisted Living
September 9, 2025
Verified Review
Mom's Happy Place

Everything is made fresh! A little on the pricey side, but the Apartments, Personal Care, Aides, Nurses, Chef and management of the facility are wonderful ! We are very happy with our choice for our mom And appreciate your help with locating this facility

Cleanliness

5

Friendliness

5

Meals & Dining

5

Care Services

5

Activities

5

Staff

5

Value for Cost

5


5.0
Cami K - Family/Friend
Assisted Living
September 4, 2025
Verified Review

Great place to stay.


5.0
Anonymous - Family/Friend
Memory Care
August 25, 2025
Verified Review
Mira Vie East Brunswick

I gave high marks on every facet of Mira Vie. The place is clean and neat, the administration is responsive, the aides are attentive, medical care is given when needed.


5.0
Anonymous - Family/Friend
Memory Care
August 22, 2025
Verified Review
Very happy so far!

So far, I have been very pleased with the way my brother is being looked after. The staff are very caring and supportive of my brother. The food is very tasty with a nice variety of different menus. His bedroom space is being attended to as well as his laundry.


5.0
Anonymous - Family/Friend
Memory Care
August 20, 2025
Verified Review
Care you can depend on

Many staff members speak Spanish; English ok; staff is knowledgeable about residents and know their peculiarities. My sister could not see and staff helped her with her meals. Might only misgiving was that there is not a nurse in house 24/7

Cleanliness

5

Friendliness

5

Meals & Dining

3

Care Services

5

Activities

3

Staff

4

Value for Cost

5


5.0
James H - Family/Friend
Memory Care
August 18, 2025
Verified Review

The staff is always pleasant to. Your staff is always pleasant to patients and visitors.

Cleanliness

5

Friendliness

5

Meals & Dining

5

Care Services

5

Activities

5

Staff

5

Value for Cost

5


5.0
Nancy Y - Family/Friend
Assisted Living
August 17, 2025
My loved one is very happy

We put my sister-in-law at Mira Vie in Tom’s River. At first, she was very shy and didn’t want to come out of her room (which by the way is beautiful). So they hooked her up with all of the therapies she needed, including elder care, which is helping her come out of her shell and mingle with other residence. They have introduced her to a lot of women to talk to. When she had a health incident, they noticed it right away and got her to the hospital. She is a fall risk and they are right there every time she falls. She loves the food. There are a lot of activities for their residents every day. Placing my husband sister there was the best thing we did for her. And now my husband is back to being her brother rather than her caretaker. But it’s not inexpensive. It’s a little more costly than other places we looked at. I like that she can age in place there.

Cleanliness

5

Friendliness

5

Meals & Dining

5

Care Services

5

Activities

5

Staff

5

Value for Cost

5


5.0
ERNIE DAVEY - Family/Friend
Memory Care
August 16, 2025
My Brother

I placed my brother and his wife in Ispired over a month ago. She has dementia and he has health problems and mobilie issuse. I have been very pleased with the care they have gotten, the activites the have, the food and the cleanliness of the facility.

Cleanliness

5

Friendliness

5

Meals & Dining

5

Care Services

5

Activities

5

Staff

5

Value for Cost

5


5.0
Anonymous - Family/Friend
Assisted Living
August 14, 2025
Verified Review
Overall great experience. Would recommend

The best part is how friendly and helpful everyone is. My mom is always saying how well cared for and respected she feels. They could improve on maintenance issues and housekeeping of the individual apartments. I know they recently bought out an old facility and just got a mew executive director so I'm hopeful these issues will improve.

Cleanliness

3

Friendliness

5

Meals & Dining

5

Care Services

5

Activities

5

Staff

4

Value for Cost

5


5.0
Anonymous - Family/Friend
Assisted Living
August 14, 2025
Verified Review
Our family's experience

They have all day dining, so you can get food anytime up until 6:30 pm I think. They have essentially all levels of care, so a resident doesn't need to move to a different community if their care needs increase. Most of the activities are during the day up until 630. After that, they're usually aren't any planned activities. The admin staff is very helpful. The studio rooms are pretty spacious & the building is always clean when I come to visit. If a resident needs physical therapy, they tailor the physical therapy program to the persons specific needs. This has been helpful for my mom.

Cleanliness

5

Friendliness

5

Meals & Dining

5

Care Services

4

Activities

5

Staff

5

Value for Cost

5


5.0
Anonymous - Family/Friend
Memory Care
August 12, 2025
Verified Review
Review for The Harpeth at Harmony Hills

[name removed] the Executive Director is great to work with. The staff is very nice. I love that there is always someone in the living room any time the residents are there (memory care). The building is nice and welcoming. The activities director seems to love her job. My mom has only been there for a few months and she really likes it. Last year they came under new management and they seems to be doing a good job.


5.0
Becky P - Family/Friend
Assisted Living
August 12, 2025
Dad's new place

First thing is that my dad really likes the place and is comfortable. I found the staff and residents happy. The facility has a very nice atmosphere, not dark. The only thing that I wonder about is how it was determined that my dad was in need of level three care when we were told he would be a level one or two. There was never an explanation or a call when this was determined. I found out when I received his bill and was surprised as was he.

Cleanliness

5

Friendliness

5

Meals & Dining

No data collected

Care Services

5

Activities

No data collected

Staff

5

Value for Cost

5


5.0
Steve C - Family/Friend
Memory Care
August 12, 2025
Very friendly and professional

Showed us facilities a number of times and found a great room for my wife. We met most of the staff and when my wife needed to go from assisted care to memory care, the process was easy. They have treated my wife with kindness, respect and loving care.

Cleanliness

5

Friendliness

5

Meals & Dining

5

Care Services

5

Activities

5

Staff

5

Value for Cost

5


5.0
Karen P - Family/Friend
Memory Care
August 12, 2025
Amazing place taking exceptional care of my dad

From the beginning the guided us through the process of paperwork, medical records, to helping set up his room. They keep him active, watch after him and keep us informed. He truly settled in quickly and they live him. My mom is very happy with my dad’s care.

Cleanliness

5

Friendliness

5

Meals & Dining

3

Care Services

5

Activities

5

Staff

5

Value for Cost

5


5.0
Anonymous - Family/Friend
Assisted Living
August 12, 2025
Verified Review
Inspired Living at Ocoee

I moved her into inspired living. They are as good as it gets. Clean...huge courtyard. Lots of staff. Good food.. They I would recommend. No care facilities are perfect but inspired living is as close as it gets. My mom felt loved there

Cleanliness

5

Friendliness

5

Meals & Dining

5

Care Services

5

Activities

5

Staff

5

Value for Cost

5


5.0
Marion J - Family/Friend
Memory Care
August 11, 2025
A grand facility, Inspired Living at Lakewood Ranch

I visit Inspired Living several times a week to help and care for a couple friends whom are residents. It is a highlight of my day to come to this beautiful facility in Lakewood Ranch. The front desk personnel, staff and all workers are friendly and always have a smile for you. They offer so much nurturing and everyone is ready to assist in any way. I must mention the Director of Activities, [name removed]. Since she has come on board, the activities are more frequent. Her enthusiasm, vitality and love for the elderly is a gift she has. Her ideas are never ending and the party themes she arranges and designs bring everyone together for a great time.

Cleanliness

5

Friendliness

5

Meals & Dining

5

Care Services

5

Activities

5

Staff

5

Value for Cost

5


5.0
B Beehler - Family/Friend
Memory Care
August 8, 2025
Verified Review
Wonderful place for your loved one!

We had a great experience at The Gardens. Wonderful staff, clean and responsive to all our Moms needs.


5.0
MLW - Family/Friend
Memory Care
August 7, 2025
Verified Review
Review for Inspired Living at Hidden Lakes

Very friendly and caring staff. Great for memory care patients. Nice private rooms and beautiful, large fenced in outdoor area. Lots of landscaping and birds. I would recommend to others.


5.0
Pegi M - Family/Friend
Memory Care
August 7, 2025
Love, kindness and safety

Inspired living will give you peace of mind when you’re seeking a place for your loved ones to live. The staff are fabulous, they have many fun activities and the menu is diverse! You can stop by anytime.

Cleanliness

5

Friendliness

5

Meals & Dining

5

Care Services

5

Activities

5

Staff

5

Value for Cost

5


Viewing 1-20 out of 1155 reviews

Frequently asked questions

There are 29 total Distinctive Living Facilities.

More questions?

Ask an A Place for Mom local advisor at no cost.