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[Music] welcome to the market call show where we discuss whats happening in the markets and the impact on your Investments tune in every Thursday on Apple podcast Google play Spotify or wherever you listen to podcasts hi Wade how are you doing Im doing great thanks for having me on the show you know Im so happy to have you here if youre in the retirement income planning business or if youre a financial advisor or a money manager somehow managing money in the space for retirement income planning everybody has heard your name youve been around in this field for a long time and as I was looking through your uh resume from various sources its like okay well what are we going to exclude you know theres because theres so many things that you have done but I thought I would just kind of just fill in for viewers that dont know you a little bit about you um you know youre an active researcher and educator about retirement income strategies you know you do a lot of speaking I know you