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today were going over a real life example as to how a simple tweak to your retirement portfolio can save you up to 50 000 in taxes additionally ill be going over how to build your retirement portfolio so that youre not stressing about it when markets are fluctuating im mark savin from winnipeg financial planning lets get into it [Music] okay so as i mentioned this is a real life example and well call this individual sarah jones so sarah and i were in my office were having coffee getting to know each other and she was mentioning that she was widowed recently retired and had been working with an advisor for many years but now that she was retired and was going to start drawing money out of her portfolio she wasnt sure that her current advisors expertise matched the needs of herself moving forward so she wanted to know what her options were so lets dig into it so sarah was 66 and like i mentioned she is widowed and retired her current portfolio is valued at a million dollars and