On this week's Marcus Warren Show, we break down the differences between the accumulation and de-cumulation phases of retirement planning. It's like climbing Mt. Everest (most accidents happen on the way back down the mountain). We also discuss our complex tax system and whether we'll ever be able to complete our tax returns using simple forms. Have a question for Marcus? Visit talktoMarcus.com to schedule a 15-minute phone call or send us a message with your question and it could be featured on the show!