Saving enough for retirement is challenging for many people, and once you get there, it may be shocking to discover how much of that nest egg must be paid to the IRS each year in the form of taxes. If you have a retirement plan such as a 401(k), 403(b), thrift savings plan, or IRA, then there may be steps you can take to avoid overpaying taxes. It may not be evident to you that the funds you have saved for years and years may be subject to much higher taxes in the future. Unfortunately, the United States is politically divided, debt-ridden and very engaged in deficit spending. The pending insolvency of our Social Security system is creating a need to overtax those Americans with significant income and savings, which includes retirement funds that have never been taxed. It is inevitable that we will be faced with higher tax rates as government leaders vote to increase taxes to cover these shortages. In this book, I will teach you how to use the tax code to your advantage and significantly reduce your risk of overpaying the IRS when you retire. Whether you are a financial novice or very experienced, this is a must-read for anyone with more than $250,000 in retirement plans.