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well uh good after good afternoon again my name is gene hilliard im vice president financial advisor of emerge financial group a financial services company um here in oakland um we offer financial planning taxes and accounting um ive worked with alameda county employees and ive had a contract with alameda county since 2009. so i cant uh cant believe the time has flown by so far um im a licensed stock broker ive been licensed for roughly 18 years helping my clients create wealth and maintain their wealth but most importantly im a certified retirement counselor and my goal as a certified retirement counselor is to help you maintain your current lifestyle in retirement and when mike earlier talked about you know most financial planners say 70 to 80 percent of your uh pre-retirement income is sufficient like i said my goal is to help you maintain your current lifestyle at 100 at least we can make that attempt if we need to settle for 90 or settle for 80 so be it so but lets lets