Comprehensive retirement planning lets you Sleep Well At Night (S.W.A.N. planning) because you have a real income plan that gives you the assurance that you will not outlive your retirement money. Don't let UNCLE Sam be the biggest beneficiary of your IRA. You can take important steps to make sure by taking advantage of all the tax laws available. First comes the knowledge of these tax laws and then the education of how to make them work in our favor. The "buy and hold" style of advisory worked during the 90s, but not in today's volatile market. It takes active management to deal with the ups and downs especially for those close to, or in retirement. The biggest fear for these is running out of income.