 Absolutely. Well, state planning is just one important piece of that retirement income puzzle, in addition to Social Security, which we talked about earlier. But when it comes to retirement, one thing we don't want our listeners to have to do is to pay more in taxes than they should be paying. So we're going to talk about ways that you can avoid that ticking tax time bomb. I'm Sarah Samuels here with James Locke, and you're listening to the Retirement Income Source, where it's all about the income.