 So if you're meeting with your advisor on a regular basis, as I think you should, one of the things that he or she should be bringing up to you is new pieces of legislation and how they can affect you, such as the SECURE Act and the SECURE Act 2.0. Right, exactly. So no one wants to leave behind that hefty bill to their loved ones. Talk about maybe any strategies that you guys use or recommend to people to help minimize that tax burden when someone has to inherit an IRA.