 We are back. This is Retire With Integrity, brought to you by Integrity Financial Planning. I'm Brett Sharp. Your host is Brian Bowen, president and founder of Integrity Financial Planning. 866-2PLAN-4 is the number for you to reach them for your complimentary blueprint plan. If you saved at least $2 million towards your retirement, that qualifies you. 866-TO-PLAN on the number 4. Find us online at retirementplannow.com. So, Brian.