 Welcome back to the Retirement Income Source, where it's all about the income. I'm Sarah Samuels here with James Locke. And today we're talking about the retirement puzzle, all the different pieces of the puzzle so you can have a more successful retirement. So James, we talked a little bit about social security and the ways that people can help maximize their benefits. It's not as simple as just waiting until the last possible moment to take your benefits. There are a lot of different pieces that go into it. And of course, there is estate planning.