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[Music] thank you [Music] hello Houston welcome once again to on the money with the team from Allied wealth Matt Stevenson Peter Lott Im your host Spike spangle fellas how you doing this week Peter Ill start with you its Mike Im awesome get to be here with my good buddy Matt today on TV glad to be here with you it doesnt get any better than this does it no but uh the markets can actually get a lot better than whats been going thats true and thats part of what were going to be talking about today we know that theres a lot of folks out there who are investing on their own or theyre saving into their retirement accounts a lot of people are thinking about pausing that because of the market being downturned right now and so we want to talk about the different kind of advice that certain financial advisors are giving out there the different kinds of advisors to actually use uh YouTube our financial advisors but not all are created equal or have the same kinds of offerings am I rig