The holidays are here. Christmas 2019 is just around the corner and I am so excited about an announcement we'll be making at the end of the week. Hi, my name is Paul Carroll. I'm the CEO and founder of Efficient Wealth Management, a boutique wealth management firm here in South Texas. It's been a fantastic year for equities, and in fact, even bonds have fared fairly well thanks to falling interest rates. We have got major changes in store here at Efficient Wealth Management. We want to be even better for our clients in 2020, and so we're looking forward to an announcement that befits the world-class team, technology and experience we have for our clients. We wish you the best of investment success, and we'll talk to you soon.