We are excited to announce that JoAnne and | have decided to venture into the world of retirement. Like many of you, we have diligently planned for this day, and now it is time to enjoy it. Part of my plan was to identify a very capable individual who would properly manage your accounts in the future. | found that person in Scott Werner.(Learn more about Scott). Scott and | have been colleagues since 2012, and | am excited that he will now be the person taking care of all my cherished clients.