 by addressing some tax strategies for retirement withdrawals. So the tax implications for retirement withdrawals are one of my clients' biggest concerns. So the first piece of strategy you should be ensuring that you avoid is early withdrawal penalties, right? So if you begin taking money out of your traditional 401k before you reach 59 and a half, you could be looking at a 10% early withdrawal penalty. Essentially, that means you're just giving a chunk of your money away.