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good afternoon everyone this is Bob Dole president of solution driven wealth today we want to take some time out to really talk about some legislative changes that will impact the estate that you leave to your loved ones your children your grandchildren and or your heirs our most important message to you is always that our main concern for you is the health and well-being of your family and your friends we at solution-driven wealth are deeply committed to your success and always able to answer any and all of your questions you know the secure Act passed in 2019 during the Trump Administration and again the two the secure act 2.0 passed just this past year addressed many of the deficiencies in the retirement system that we have with us today however specifically weamp;#39;re going to address the impact to your estate thatamp;#39;s the estate that you leave to your children your grandchildren and or your heirs this affects your qualified assets and we we say qualified assets we