 Hi, we're so glad you joined us today. I'm Lou Ample. We're here with Mike Stevens. Optimizing tax outcomes requires careful planning, especially for those with substantial assets in their IRAs or 401ks. Okay. And maybe that's not needed. Traditionally, people allow these retirement funds to grow tax deferred and then delay distributions and the payment of taxes. And Mike, why might this not be the best approach given individual circumstances?