 Welcome back to On The Money here on WDBO. My name is Josh McCarthy, joined with Joe Burt and Charles Curry with the team at Certified Financial Group Professionals. Certified Financial Professionals, that is. Certified Financial Planners Professionals are here answering your question here on The Money on WDBO. If you want to join the conversation, the number is 844-580-9326. 844-580-WDBO. Or you can send in your question via the open mic feature inside the WDBO app.