How to Reposition Your Portfolio for Planet X

SIPIC will be one of the first ones to go down. So you've got many of them going down before Vanguard and in that case, what good is SIPIC? I mean, the world's coming to an end anyway. It's like, how do I reposition my portfolio for Planet X? Okay. Next one is yours, Carolyn. This person has a CalPERS pension like to roll it over into another retirement entity instead of cashing it out completely avoiding penalties and deferring any taxes.