 It's an Ask the Expert weekend on Dayton and Springfield's 24-hour news, weather, and traffic station, 1290 and 95.7 WHIO, Dayton's News and Talk. All right, welcome back. I'm Curve Miller, and you're listening to Total Wealth and Wellness Radio. I'm joined by Andy Dollar, who's also a senior wealth advisor here at Russell Total Wealth and Wellness, and you've tuned into probably the most important show when it comes to your retirement.