Hi Sue,
That is a good question.
If you have funds in a pretax plan, such as a 401(k) or funds in an employer-funded pension, withdrawals you make from these plans after you retire are generally subject to income tax. You can usually have the plan administrator deduct taxes from your distributions — but, depending on your tax bracket, it may not be enough to cover your bill.
Ultimately, your tax rate is based on all your taxable income during the whole year. If you have multiple sources of retirement income, you'll save on your taxes in retirement if you limit distributions from pretax plans to only the amounts you need or are required to withdraw.
Please take a look at this website for more tax tips for after you retire.
https://turbotax.intuit.com/tax-tips/retirement/tax-tips-after-you-retire/L6DBVFZ25
Hope this answers your question. Feel free to respond if you have any additional questions.
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