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