 Now, the Savvy Investor Radio Show and Podcast. Welcome into the Savvy Investor Radio Show and Podcast, 866-597-1040 and online at the SavvyInvestorRadio.com. So glad you are joining us today. We've got a lot to talk about. Mike Kinnett is a financial planner and estate planning attorney with a master's degree in tax and also four-time Amazon bestselling author. Ryan Herbert is a financial and tax planner and five-star Wealth Management Award winner.