So really the alternative

to that is why we gather all this information and construct a creative or a custom plan for your very specific situation in a full financial plan that includes tax strategizing is that we want to come up with a strategy that's taking that money and putting it in a tax-free vehicle for growth.

So that's where Roth conversions come.

Because if you don't actually need that money for income purposes, instead of just drawing down that, let's draw it down in a strategic way to where, okay, we're paying the taxes out of it, we're withholding taxes on your conversion, and now we're putting that money into a Roth IRA, right? So now that balance, that principal balance is tax-free, and all the growth that you're seeing, all the investment growth, interest...

all that is tax-free as well.

So it's really being strategic about how do we get that money into a tax-free bucket of money so the growth is tax-free and that principal balance is tax-free right now.

But again, doing it in a very strategic way to where we're controlling the taxes as much as we can so there's no surprises.

Is that something that some of the people that you work with entertain?

in the retirement calculator, but there certainly would be if you sat down with them, because I think what we're talking about here is a much more customized and personalized look at what your retirement math is.

And that's exactly what it is.

It's really a customized and a tailored look for what you're trying to accomplish in retirement.

That's why the first step when meeting with us is getting to know you.

What are your goals? What are you looking to accomplish? What are your income needs or what is your lifestyle needs? Because we want to create a plan specifically for you, not a cookie cutter plan that's a one size fits all, but something that is customized exactly for you and your lifestyle, what you're trying to accomplish in retirement.

And, you know, just like you mentioned, the software can run different scenarios, but we want to take into consideration taxes.

We want to have an inflationary rate in there.

Lawrence, I'll give you the last word on this one.