All financial vehicles fall into 1 of 3 categories/columns: Taxable, Tax-deferred (Tax-procrastination), or Tax-free. Savers must decide where they want the majority of their assets to live. Asset location is far more important that asset allocation. What is the right balance for you between these 3 tax columns? What collateral damage could your traditional retirement accounts be causing on your total retirement landscape? How can you tactically shift tax-hostile assets to tax-free assets?