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and not only dividend income but dividend growth stocks were going to talk about taxes so this is one of my favorite topics when it comes to planning for retirement income so we have with us we have Chris Paris CFA we have Charles scavone with us also a CFA both of these gentlemen are responsible for managing well over a hundred billion dollars over the course of their career both Chris and Charles had to turn the mute off there so both Chris and Charles are responsible for managing four-star uh four-star Morningstar funds five-star funds as well as both Lipper ranked number one and also number two ranked funds so we have a heavyweight team here as part of the oak Harvest investment team to really discuss in detail dividend stocks were going to compare individual Securities to index funds we got a lot of good questions submitted in regards to that going to talk about dividend stocks in relation to growth stocks and the type of economic environment each one performs better in and Im