 Ryan is a five-star Wealth Management Award winner and top-ranked financial advisor by Forbes. 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. It's one of the biggest questions that's asked.