text:  I just want to know that when that day comes, when I make that decision, that we're going to be in the best position possible. And they're really good savers. They've done a good job saving. They've increased their income quite a bit over the last several years. So it's becoming more and more difficult for them to find tax-efficient places, tax-free places, most of all, to save some of those life savings. And so that's really what their focus was, coming in, visiting with us. Let's put together a retirement income strategy together.