 He's here to help close that gap with us today. Thanks for joining us, Southeast Michigan. Welcome to Retire Ready, Retire Right. With John Ember, I'm Bruce Steinbrock. John is president and CEO of Ember Wealth. Reach John and the Ember Wealth team at 800-813-6360. That's 800-813-6360. On the web, it's retirereadymi.com. John, welcome to today's show.