text:  And so to give you a high level overview of what those buckets are, you have your taxable bucket, which we often refer to as your 1099 bucket. You have your tax deferred bucket. Then you have your tax-free bucket. And then you have your income tax-free and estate tax-free bucket. And typically, the more that you have, the more you want to move down the line all the way over to that estate tax-free bucket, which often doesn't really come into play for individuals unless they have typically at least around $10 million in