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its a a big difference between tax preparation which is recording history and which is reactive looking back and tax planning looking forward thats where all the money chunks thousands hundreds of thousands even millions in otherwise uh in taxes that would otherwise be paid can be saved you can save a fortune in taxes even if you have a large ira or 401k if you if you do the planning thats available you know the whole point is you have to make the tax code work for you rather than against you if you do nothing its working against you thats why i always say to people do you want your plan or the government plan and theyll say well whats the government plan why they say that i dont know but they say whats the government plan i said oh thats easy thats doing absolutely nothing and letting it all happen to you [Music] starting your route to retirement hello everybody im dean barber founder and ceo of barber financial group your host of the guided retirement show you are gonna