 Hi, this is Angela Sloan from Sloan Financial Group, and I'm a retirement architect. If you are in retirement or just thinking about retirement, then this program is for you. With an office in Charlotte and Clover, we're a convenient resource to help you design a plan to make the most of your retirement years. And I hope you'll stay with me for the next 30 minutes as I talk about some of the challenges of today's retirement and the things we can do to ensure that your retirement is a happy one.