Texas Table for Plan Modification is a tool used by financial advisors to modify a retirement plan for their clients. It is a table that shows the maximum amount of money that can be withdrawn from a retirement plan without incurring a penalty. This tool is used to help clients plan their retirement and maximize their savings. It takes into account the client's age, income, and other factors to calculate the maximum amount that can be withdrawn without incurring a penalty. There are two types of Texas Table for Plan Modification: Traditional and Roth. Traditional Texas Table for Plan Modification uses the client's current age and income to calculate the maximum amount that can be withdrawn without incurring a penalty. Roth Texas Table for Plan Modification uses the client's age at the time of retirement, and income to calculate the maximum amount that can be withdrawn without incurring a penalty.