@jpinMilwaukee,
Okay, the saddle is the right height. Seat adjustments are a witch, but ideally, it should be set up so that when you coast with the pedals horizontal, the front of your knee is somewhere between the front of the pedal and its center.
Seat adjustments affect everything else, so get that first. Almost forgot, the saddle should be very nearly level. If you have a Brooks, maybe a scoosh nose up.
For the handle bars on a road bike, they should be level with, or below the level of the seat. Level with the seat shouldn't put much load on the arms, even though your body is maybe 45 degrees from vertical. Remember, most roadies spend most of the time on the brake hoods or the flats. The drops mostly come into play for headwinds and max power.