text:  We are back on Retire Smart Maryland Radio. Prashant Sabapathy and Mike Hartzell are your hosts. You can find them at Elite Income Advisors, headquartered in Ellicott City office, also located in Annapolis. And here on the program, it's always retirement discussion. We're powered by Elite Income Advisors. Check them out online, EliteIncomeAdvisors.com. Any event that's coming up, you'll find it at Elite Income Advisors. And also, we have radio in podcast form available for you there.