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…asset, however, advisors need to consider overriding questions: "What type of cash flow is needed for his or her living expenses?" Before we can even approach the analysis of the retirement assets and distribution options, we need to dip into their retirement accounts sooner rather than later to maintain any semblance of their preretirement lifestyles in retirement. So the question is, do fancy tax strategies really help these folks? Maybe, but then again, maybe not.