 Grove Point Financial and Kelch & Associates are unaffiliated companies. And folks, this program is intended for Wisconsin residents only. It is 826 on this Saturday morning on AM 550, FM 99. 9 WSAU online at WSAU.com as well. Mostly sunny skies outside the WSAU studios. We will have some clouds rolling through this afternoon as we get to a high in the low 70s. Merle Kelch once again joining us live on the phone here for Making Financial Sense.