text:  Pick up the phone. Give us a call, 866-597-1040, 866-597-1040. Sit down with Ryan and myself on our team. We will show you how to create income streams. That's important. We're going to talk to you about risk. We're going to talk to you about fees. We're going to talk to you about long-term care, estate planning. But, folks, the easiest thing to do to be able to reduce your overall risk is stop losing 20% to 30% to 40% to taxes every year. Pick up the phone, 866-597-1040.