Fiduciary an abused word in the financial arena. Having your clients best interest? Defer, defer and defer taxes is not having client’s best interest. This fiduciary game is just that a word that is suppose to make you the client feel at ease.

Then why are you inadvertently creating and
allowing for the tax ramifications coming in retirement

You are partnering with Uncle Sam, you deserve to have a consumer advocate professional to help protect you from the tax trap.