 And through all that analysis, you'll be able to figure out where you stand for retirement. Starts with that phone call. Claim your free appointment now, 800-653-8404. When we return on Retire Smart, Maryland Radio, we'll continue with the discussion about just the importance of working with an advisor. We've got some numbers for you. And again, there are a lot of you out there that are not. So stay tuned to Retire Smart, Maryland Radio.