Write a tax-optimized 401(k) strategy document in a {{tone}} tone for an {{investor_profile}} with {{risk_tolerance}} risk tolerance and {{time_horizon}} time horizon. The goal is capital preservation while maximizing tax benefits.

Output six sections:
- Tax Advantage Overview
- Optimal Contribution Strategy
- Investment Selection for Tax Efficiency
- Withdrawal Strategy Framework
- Integration with Capital Preservation
- Common Tax Traps

For each section, identify the tax challenge, explain its impact, then provide a specific solution.

Maximum 1700 words. Use Markdown headings for each section. Every recommendation must be specific to {{investor_profile}} and {{risk_tolerance}}. If a tax rule cannot be confirmed, skip that section. Use plain language.

Paste any relevant background information after these instructions before running.