 Thanks so much for joining us, and welcome to Altmaier Financial Radio. With Dave and Jonathan Altmaier, I'm Bruce Steinbrock. Dave is a financial professional for 35 years, an author, and the founder and president of Altmaier Financial Group. And he's joined by Jonathan Altmaier. Jonathan is an investment advisor representative. Reach out to the Altmaier Financial team at 800-700-8229. Dave, Jonathan, welcome to the show. Hey, great to be here with you, Bruce.