 That's all tax preparation is. Tax planning is looking at the tax return, looking at your sources of income, looking at all the other factors in your financial world, and coming up with a plan to help reduce the amount of taxes you're paying now, but also, more importantly, help reduce the taxes that you're paying in the future. And one of the greatest examples of that is Roth conversion. If you're not talking with your CPA, your tax person, or even your advisor about...