 Over 1 million people have used SmartVestor to find a pro. Join them and take control of your future so you can retire on your terms. Go to RamseySolutions.com slash SmartVestor to get connected. Again, that's RamseySolutions.com slash SmartVestor. Ramsey Solutions is a paid, non-client promoter of participating pros. Learn more at RamseySolutions.com. From the Brown Financial Design Studio, this is News Talk 580 WTCM Traverse City.