 Derek Overstreet here from the New Millennium Group, financial advisors in Utah. You know, I've been helping people retire in the state of Utah for the last 20 years. The way we do that is we actually find out what is important to you. We create a step-by-step plan that takes into consideration your income, your debt, whether you want money from real estate, stock market, annuities, life insurance, whatever. If you want to deal with professionals,