text:  for what we saw last night oh and we'll get into we'll get into whether or not joe biden can be replaced i'm andrew langer this is wcbm we're here with ryan herbert a pro status financial advisors group here in the maryland dc area and host of the savvy investor radio show and podcast ryan you get to be about 55 and a half and older and you know you need a few things you need a financial advisor you need a cpa and you need an estate planning attorney and you want them all talking to each other so they're working for me for us and that's hard to do