So maybe break down the different types of trusts that we might implement here.

Sure, absolutely.

And these are just some examples, Brian.

There are a lot of different types of trusts that we can use for planning with life insurance that may already be pre-funded.

But listen, we'll look at just some of the more common ones that we tend to run across.

So oftentimes you'll see trusts that have been set up primarily to accept gifts or to provide for multiple generations.

So we've been telling clients for years, go ahead and use the large gift tax exemption that we currently have in place.

And Karma, I want to come back to you to wrap this all up and give us your key takeaways.