 You must have a well-written, well-understood retirement plan, and then someone who specializes in the income phase of retirement to assist you in carrying out all of the intricacies of that plan. At RDS Wealth, we've been doing this long enough to know that to live happy in retirement, we not only have to take away the fear and the worry of the stock market, but we have to make sure that the people you care about most get the money you desire them to get, and they get it most tax-efficiently.