 okay i'm sorry i just couldn't couldn't let that go is this accurate and do you recommend this strategy or some other mechanism to avoid taxes while generating retirement income from the apple stock i look forward to hearing your advice i think that you have a good understanding of this that when you put a chunk of highly appreciated securities into a crud you get a tax deduction today you can pull income out in the future you don't have to pay capital gains on the amount that you put in there