Taxation in Retirement

A CFP® professional recommends that a 52-year-old client accumulate retirement assets in taxable, tax-deferred, and tax-free accounts.

What is the PRIMARY advantage of this strategy?

1.  It guarantees a lower tax bracket in retirement.
2.  It provides flexibility to manage taxable income during retirement.
3.  It eliminates required minimum distributions.
4.  It avoids taxation of Social Security benefits.