 Welcome back to On The Money brought to you by the Certified Financial Group. For more than 30 years, the professionals at Certified Financial Group have been answering questions for listeners every week right here on WDBO. Folks, you can be a part of the program this morning. All you have to do is call on in 844-580-9326. That's 844-580-9326. You can tap the open mic feature in the WDBO app. You can ask your questions there. Joining us today on the show is Matt Murphy and Gary Abley. And gentlemen, we do have some workshops coming up.