text:  Welcome back to Winning in Retirement. Welcome back to the fourth quarter of Winning in Retirement. Today's show is called When is Your Independence Day? We celebrate Independence Day. We're not the biggest idea of talking about Fourth of July. So I brought in Jeff Akers. Jeff Akers is the Vice President and Financial Advisor here at Akers Financial Group. Welcome to the fourth quarter, Jeff. It's winning time. It's winning time. Every fourth quarter, you've got to win the game by properly controlling the clock.