Most investors saving for retirement do so by saving through 401ks, 403bs and other tax-deferred accounts – though a lucky few still have pensions. With all this tax-deferred income, clients may find themselves with a hefty tax bill or in a higher tax bracket when they withdraw income, especially at age 70 ½.  We’ll talk about planning opportunities to reduce the impact of taxes on your client’s retirement income, like Net Unrealized Appreciation, HSAs, Roth Conversion and Qualified Charitable Deductions and sequencing case studies that demonstrate how the order of withdrawals can impact the longevity of a retirement income plan.