Kiplinger says drawing from the right account at the right time can make a huge difference in the amount of taxes you owe over the course of your retirement. 

Then, what’s the most important thing you need to know about self-planning for retirement? Patrick Kelly, the author of “Stress Free Retirement,” says it’s knowing when to ask for help. Hear John explain how he works to help clients be more emotionally detached to make better decisions for their financial future.