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so now youre trying to tell me that you can get six percent above the risk-free rate with little to no risk im starting to see a trend here you know no now is there a risk there yeah theres a lot of risk there [Music] welcome to the retirement today podcast my name is zach holcomb and with me here as always we have michael reese hes a certified financial planner founder and president of centennial advisors and retirement planning expert if youre listening along with us on your favorite podcast app happy to have you here with us but if youre watching us on our youtube channel remember to like comment and subscribe to stay notified about all of our latest content and newest videos mike on todays program big news last night as were recording this bernie madoff just passed away so now you have a lot of thoughts to share on this oh yeah yeah bernie is gone and you know i was commenting before we started recording i was talking about how you know normally when somebody passes away i