 while generating retirement income from the Apple stock. I look forward to hearing your advice. I think that you have a good understanding of this, that when you put a chunk of highly appreciated securities into a crud, you get a tax deduction today. You can pull income out in the future. You don't have to pay capital gains on the amount that you put in there. But I would point out to you that once that money goes into the trust, you don't have access to it.