The greatest danger is taxes – not creditors. Few people realize that they can lose upwards of 80 percent of their retirement accounts to a series of federal and state taxes that can be imposed on these accounts. Whenever we have a client with a large retirement account, we refer them to financial planners – particularly those knowledgeable about retirement planning. There are a number of ways to lessen the tax bite. Our urging our clients to get that advice is oftentimes our most important contribution to preserving their retirement funds.