text:  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 an investable net worth or in a net worth, I should say. Then we want to take a deeper dive into each one of these and talk about the nuances because there are a lot of nuances within the buckets for us to understand and for us to be educated about so we can make the best decisions.