 potentially in a better direction we're going to look at your taxes folks if you're getting close to those required minimum distributions we're going to talk about them we're going to talk about is there are any of these exemptions the qcd the qlac all those different things that you can do to potentially lower your rmd does that make sense for you and your family it may or may not we don't know what about roth conversions all those things are conversations topics that we cover