 All right, everybody, welcome back. It is Stop Working, Start Living right here on KSL Newsradio and also in St. George. Thanks for being with us, Alex Keery. And Derek Overstreet. Derek is the president of the New Millennium Group. And it's our job to get you retired three to five years sooner than you thought possible. We want to talk about questions you need to ask before you trust your life savings with anyone else.