Additionally, any Americans who have a plan to minimize the taxes they pay on their retirement savings said they utilize a mix of retirement accounts . Diversification among 401(k) plans, Roth IRAs or other retirement accounts keeps all of your nest eggs out of one basket.“This allows you to take distributions up to a certain threshold and use tax-free dollars to avoid tripping into a new tax bracket. This method allows individuals to spend down their income-taxable, less efficient legacy dollars with inten ...