 but you never have to pay taxes again. Again, tax diversification is really, really important. And you decide, do you pay taxes once and never again, including your family never pays taxes again, or do you continue to pay taxes? And then when you're gone, your family continues to pay taxes. It's a choice. We can help you with going through that maze of figuring out how to do that, whatever's best for you. Another important message coming up right back after this break.