Joy was wonderful. She was easy to talk to, and made me feel comfortable. She explained things in a way that I could understand. She was patient. She was informative. She stayed on track, and did not waste my time. I learned about when I can retire, and how to maximize my VA benefits by increasing my Thrift Savings Plan (TSP) and contributing to the Roth IRA. She also explained the various categories on my pay stub, to help me fully understand about my earnings and options.