When tax rates go up on retirees living on a largely fixed income, the extra taxes must come out of lifestyle money - which is no fun.

Therefore, we believe an optimized retirement income plan must protect as much income from taxation as possible.  

But purging the tax liability from an investment account through strategies like Roth conversions - reduce the size of the account upon which traditional advisors collect their fees - whcih is one reason tax efficiency is largely ignored in far too many retirement plans.