 That's the importance of that one-page retirement income plan. As Joe Pat said, reach out to the team, take advantage of it. It's a no-cost, no-obligation consultation. When you call 704-946-7000, always available at belmont-capital.com. Main office, 123 North Main Street, just 10 minutes from the Charlotte Airport, 20 minutes from downtown, plus the additional location in Cornelius as well to meet you at a time and a place that's convenient to you and your schedule. belmont-capital.com. Quick break, back with more. This is Retirement for Living with Joe Pat Root.