Many older adults own tax-deferred retirement savings accounts such as traditional IRAs and employer retirement savings plans (e.g., 401(k)s, 403(b)s, 457 plans, and the Thrift Savings Plan). Many of these accounts were started with the assumption that income in later life would be lower than during working years. This may or may not be the case. Some older adults with multiple streams of income are surprised that their income actually increases. This class will discuss tax-deferred accounts from the viewpoint of older adults including income withdrawal strategies, RMD requirements, portfolio rebalancing, tax minimization, beneficiary designations, tax withholding, and more.