Retirment accounts?

Any retirement fund is taxable when you take the money out. It is just deferred until then. I know you can roll your accounts sometimes from one type to another. You should discuss this with whoever holds the account - the bank, credit union, whatever. Be carefull of the investment accounts unless you really know what you are doing as you can loose/not make as much as possible. Check out some of the county, or municipal CD's as they are not taxable on the county/city tax at all and offer great rates. They aren't a retirement account but if you keep rolling them into another like CD over the years they can really add up. So think about diversifying some of your retirement money.