text:  that are thinking about moving or shifting dollars from certain buckets all in an effort to make sure that we diversify those tax buckets yeah so this family they came in they were really focused on tax planning they're about five to ten years out from retirement in their mid-50s they don't have a hard retirement date they they really enjoy what they do we we had a conversation about what they were going to do in retirement and they're going well i don't even know if i really want to retire