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hello everybody and thank you so much for joining us welcome back to our second part of our two-part series on Social Security my name is Samantha and I am in client services here at the Retirement Group I moderate these weekly webinars today weamp;#39;re going to be rejoined by our adviser Wesley Buro and heamp;#39;s going to be speaking to you FedEx employees about the intricacies of Social Security and our hope is that youamp;#39;ll avoid common missteps as you undergo your retirement Journey Wesleyamp;#39;s going to be highlighting frequent errors and misconceptions providing you with a clear grasp on the social security system before I bring Wesley on however Iamp;#39;d like to just remind you that although we work very closely with both active and retired members of the FedEx Community we are not affiliated nor endorsed whatsoever by FedEx the retirement group is a completely independent group of financial advisers uh after Wesley presentation I will jump back on wit