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How to withdraw retirement funds: Learn 9 smart ways

If you think saving for retirement is complicated, try figuring out how to withdraw retirement funds while minimizing taxes.

“As much as 70 percent of your hard-earned retirement funds can be eaten up by income, estate and state taxes,” says IRA guru Ed Slott, author of the retirement-planning books “Fund Your Future: A Tax-Smart Savings Plan in Your 20s and 30s” and “The Retirement Savings Time Bomb … and How to Defuse It.”

That’s money that most people would prefer to keep in their own pockets. But how exactly can it be achieved?

Here are nine smart withdrawal strategies that will help you avoid costly tax traps and keep more of your retirement funds.

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