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good afternoon everyone this is David Lemieux founding partner of Roquemore wealth management we want to take this opportunity to provide a short series of videos outlining some of our thoughts on investing and good basic financial planning first of all before I begin I wanted to take the time to not only thank all of our frontline workers but each and every one of you who are doing their part to help us flatten the curve thank you please make the best of this ongoing situation and if any of you are stuck in quarantine and do need help with groceries or getting medical supplies please do not hesitate to docHub out to us were here to help now before going on I must insist that the following is not specific investment advice or specific recommendations each individual situation must be properly discussed and discovered before any appropriate ongoing advice can be given now for our very first segment I want to talk about what I believe is one of the single most important sentences I have