You spent years feathering your nest egg: tracking your investments, adjusting your allocation and sacrificing a percentage of your paycheck every month to finance a comfortable retirement. Who knew that would be the easy part. The biggest challenge for people in retirement is recreating the income streams they had when they were working. Therefore, retirees must learn to adapt their withdrawal strategy to a changing tax environment by managing their tax-advantaged accounts, such as IRAs and 401(k) plans.