This is a fascinating question because it depends upon your unique situation. Many of our clients have found that their tax rates come down in retirement because their income is lower, or the way that their income is taxed is different. This presents some excellent financial planning opportunities that we can take advantage of. However, we are also aware that many people enjoy retirement for twenty or thirty years. This is a very long time, and we need to understand that potential tax increases during that time frame are likely. This also offers some unique financial planning opportunities that we work with our clients to solve. The good news is that good planning will win the day no matter if our tax rates are going up or down.