 Welcome back to Retire Smart, Maryland Radio. Your hosts are Prashant Sabapathy and Mike Hartzell of Elite Income Advisors. They're headquartered in Ellicott City. Also a satellite office in Annapolis for your convenience. They're independent fiduciaries and it's about helping their clients get ready for retirement. And we've been talking about some big numbers today. And the biggest is there are a lot of you out there that are not using professionals. Not professionals.