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hello and welcome to tax savings planning for retirement taxes is a big part of retirement pre and post tax and today that's what we're going to be discussing my name is jim horks i'm a ceo of time scale financial located here in boston and we also have an office down in the mid-atlantic and virginia you know one of the big concerns around taxes is that people often pay more taxes in pre-retirement and in post retirement due to a lot of different reasons one they don't always understand the strategies to help reduce their tax burden and two they also don't plan for it and the thing that really gets people all the time is one if you actually do one and two then the tax laws all change so today what we're going to do is try to take you through this so that you can get a better understanding of where you are and hopefully get take full advantage of the resources to help you get to your goals and pay the most efficient way you can pay taxes a

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