These strategies can help you get the tax-free income you want in retirement

By: Sarah O’Brien

Sure, no one likes forking over any of their income to Uncle Sam.

The aversion can be more pointed in your golden years. If you’ve left work entirely behind you, any amount owed to the IRS will come out of your retirement income and savings — both of which are intended to last for another 20 or 30 years.

However, there are strategies you can implement to minimize or eliminate your tax bill, which translates into more money staying with you. Of course, getting there involves doing some work in advance.

“To generate, on a regular basis, tax-free income over a long period of time, you have to put a lot of planning in place,” said certified financial planner Avani Ramnani, managing director at Francis Financial in New York.

For example, if you want your retirement savings to generate $100,000 a year in tax-free retirement income, and you want to adhere to the so-called 4%-pe