 WTCM News Talk 580. It's time for New Retirement Radio with Prout Financial Design in Traverse City. Joining us in the studio today, Heidi Cartwright. Good morning, Heidi. Good morning, Ron. It's a great day to be here and it's a great day to be in Traverse City because, boy, I tell you, this is one of those days that we love up here. Crystal clear air. And to top it off, I have blue angels going over my car on the way.