 So, yes, you should absolutely be sitting down with an advisor who understands investments and taxes and can have a conversation about both of those things together. Because the reality is our tax system, we get to opt into it, right? The Supreme Court has said you get to choose which tax brackets you want to be in. And if you properly structure your retirement income, you can choose to pay that 20, 30, 40 percent off the top or you can choose to pay zero. But it starts by actually having a tax plan first.