Tax planning for clients during tax season always generates new strategies and ideas, as unique situations tend to get my analytical wheels turning. From a risk/reward wealth management perspective, I like to look at tax planning with the actual cost to the client in mind, including what is the best cash flow option, because the most tax efficient savings strategy for each person’s situation is the ultimate wealth planning strategy. Here are a few thoughts that may also relate to your clients...  http://www.thinkadvisor.com/2014/05/09/why-i-dont-like-roth-iras-tax-sea...