"One approach is to use accounts with a variety of tax treatments so you can better control your taxable income in retirement," says Rob Williams, managing director of financial planning, retirement income, and wealth management at the Schwab Center for Financial Research., This strategy is primarily designed to allow your retirement funds to grow tax-deferred for as long as possible, thus maximizing the overall value of your nest egg., Retire smart and boost your savings with resourceful tax planning. Discover how to optimize assets in taxable, tax-deferred, and tax-free retirement accounts., Tax-Efficient Retirement Strategy is our most advanced advisor-driven retirement planning tool that combines separate strategies for 3 complex retirement decisions into one cohesive strategy to help you and your spouse optimize your retirement income, save more on taxes, and have more to leave to your family or favorite charities., , .