 Almost half your IRA could go to Uncle Sam if you don't have a plan or 10% to 15%. Which one sounds better? Obviously, tax plans are huge in retirement and are often overlooked by the financial industry. Why? I don't know. Maybe they're lazy. Maybe they don't understand it. Maybe they don't want you to take out taxes of the accounts so they get less fees. There we go again. Conflict of interest. I digress, Randy. But tax planning is so important. Don't put it off.