 Here with Niles Gens from Gens Financial Services. Niles, if someone is retiring within 10 years, are there some tax moves that should be made? Yes, Bob, there are three tax moves that people should consider if they're within 10 years of retiring. First, make catch-up contributions to your IRA. Next, fund an HSA, health savings account, if eligible, and convert some of your retirement savings to a Roth IRA.