 Hi, this is Angela Sloan from Sloan Financial Group, and I'm the retirement architect. So if you're in retirement or just thinking about retirement, then this program is for you. With offices in Charlotte and Clover, we're a convenient resource to help you design a plan to make the most of your retirement years. 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 help ensure your retirement is a happy one.