Many clients feel stress or uncertainty about where their next dollar should go. When no guidance is given, clients may run the risk of inefficiently deploying cash, overspending, or leaving too much money in their bank accounts.

Assets withdrawn from tax-deferred accounts will be taxed. Future rates may be higher than present rates. Tax uncertainty can mean income uncertainty. By owning assets which are taxable, tax deferred, and tax free there is a better distribution order when these assets are used for income and are more likely to last longer during retirement.