text:  And then it's really more of a situation of managing tax situations. Maybe we move up retirement a little bit, or maybe we could be a little bit more conservative on that investing and saving. So usually step one is just do an analysis of where they are currently, and then we can come back and give them some recommendations. Frank, I'm surprised you didn't ask the question. I don't know if you get this as a financial advisor. People reaching the age of retirement, 62, 65, take it early, take it late.