This is Pat Haggerty with Larchmont Wealth. I’m here today with my partner Josh Feldman. Josh is my business partner, we’ve managed Investments together, we manage an advisory practice together, Larchmont Wealth and Josh, among many other roles, is the lead on our 401K business. I’m going to start this feature with you 401K Fridays where I have you come in and answer some of the most commonly asked questions we have about 401K plans, and how to use them. What do you think, Josh? Well I’ve seen all your educational videos and they’re great and I’m happy to be here and be a part of them. Me too! I’m glad to have you as part of it. Let’s get started.