Adam Zoll: For Morningstar, I'm Adam Zoll. Sending your child off to college for the first time can be an exciting time, but how can you make sure that he or she will make wise financial choices once they are there. Here with some ideas is Tim Steffen. He is director of financial planning for Baird's Private Wealth Management Group. Tim, thanks for being with us today.
Tim Steffen: Thanks, Adam.