 Hi, we're so glad to have you with us today. I'm Lou Anne Fulmer here with Michael Anderson. And today he's offering a chance for you to meet with him or his team complimentary to explore your retirement income and strategies. That's what we talk about on our show. Optimizing tax outcomes actually requires careful planning, especially if you have substantial assets in your IRAs or your 401ks. So traditionally, people allow these retirement funds to grow tax deferred, delaying distributions and paying taxes.