Hi, I’m Rick Durkee and welcome to our class, The Coastal Financial Planning Group’s, income allocation. In this class you’ll learn theories that have helped many retirees in the past build their personalized retirement income plan. Like I did 15 years ago for my own parents, now I have the opportunity to teach you these same theories as we work through this class and learn about retirement income planning. I look forward to working with you. Let’s get started!