text:  Yeah. And what we often find is individuals are coming to us a year before they retire, six months before they retire. And at that stage in the game, the tax planning for those individuals that are already in or very near retirement, it's a little different than someone that comes to visit with us that's maybe five to 10 years out from retirement. Yeah, sure. Where they're typically looking for, all right, I want to diversify my tax buckets. Maybe you've saved a lot of your money.