text:  We're going to continue a conversation here, walking you through a real retirement planning experience that we had with a family that was really focused on tax planning. So when we opened up the show today, we kind of set up this situation. It's a family that came in to visit with us and their main focus was taxes. They've done a good job saving and they're probably five to 10 years out from retirement. No real hard set date around retirement. They just want to start filling in some gaps in what they see as gaps anyways in their plan.