text:  They are headquartered in Ellicott City and another office in Annapolis. And, folks, it's always about just having the plan and make sure it's customized to you. I'm Morgan Patrick, consumer advocate. We're going to walk through a number of different topics today on the program, but we want you to remember, too, we're here to help. There are opportunities to get on the calendar with elite income advisors, and these are no cost, no obligation, no pressure. That means leave the checkbook at home and talk about your retirement situation, your scenario.