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[Music] hi Im Michael Ruger Im the managing partner Greenwich Financial Group today well be talking about understanding the FAFSA process and in turn understanding how you can make moves to qualify yourself for more college financial aid now theres a common misconception out there that I make too much qualify for financial aid or I have too much in assets while in some cases that is true theres a lot more cases that we see where people think that were if they just made some adjustments and some moves a few years before their kids went to college they could have opened up a good portion of financial aid for those four years of the undergraduate degree so today will be kind of talking about the FAFSA process you know when theyre gonna take the snapshot of your assets and income for purposes of quality for financial aid were gonna go over a number of the strategies that we use with our clients that help them qualify for more aid and also were going to be talking about the differ