 Welcome to our show, everyone. Happy to be here with James Haight. He is the founder of Victory Wealth Services, located right here in Prescott. And of course, we're glad to have you along with us for our show today. We will do our very best to try to answer some of your big questions pertaining to your portfolios, your retirement. That's what it's all about, making sure that you are living your victory during this all-important time. You've worked so hard during your working years, and now if you're starting to think about retirement,