 we have an office in dayton and nearby in tip city lima and bell fountain 937-815-0000 that's 937-815-0000 all right so let's talk about people getting into retirement and the one thing that is very common is most of the money that we see when people walk through the door is in a 401k so they're going to want to say okay greg how does this become a paycheck how do i use this money so there's a couple of steps that you've kind of outlined here