text:  Well, Tyson, we'd like to bring in experts to talk about these issues because we believe getting the smartest people in the room, and one of those is Dr. Wade Pfau. This is a quote that he talks about on retirement tax traps. He says, the real lesson here is that it's not always about deferring taxes as long as possible, end quote. And what he says in here is the key is to be efficient and smart about when you're going to be paying the taxes. You are trying to get the right level of income in a given year