If you wait until retirement to figure out your tax liability on your retirement accounts… it’s too late to do much to reduce your tax obligation. You need to plan for “tax diversification” while you are investing for retirement. Tax diversification means having some funds in non-taxable accounts like Roth IRAs. To learn more about the importance of planning ahead for taxes after you retire, read:
http://money.usnews.com/money/personal-finance/taxes/articles/2016-10-21/why-you-need-to-think-about-your-retirement-taxes-now
Source: Financial Planning for Women