DiLellio, James, and Daniel Ostrov. “Toward Constructing Tax Efficient Withdrawal Strategies for Retirees With Traditional 401(k)/IRAs, Roth 401(k)/IRAs, and Taxable Accounts”. Financial Services Review 28, no. 2 (June 30, 2020): 67–95. Accessed December 11, 2024. https://openjournals.libs.uga.edu/fsr/article/view/3419.