Here’s what we cover in this episode:

💸 Tax Drag: Small inefficiencies add up over time

🪣 Tax Buckets: Where your money sits matters

📉 RMD Pressure: Forced withdrawals can raise taxes

🏥 IRMAA Risk: Income can increase Medicare costs

👥 Survivor Impact: Taxes can rise after a spouse passes

Your Guide:

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This is Part 2 of our Hidden Risks series, and we’re shifting focus to one of the biggest long-term threats to your retirement: taxes. Some risks don’t hit all at once, they slowly wear down your plan over time. Scott breaks down how tax decisions shape your income, flexibility, and long-term outcomes. If Part 1 was about protecting your plan, this one is about keeping more of what you’ve built.

Dive Into This Episode:

0:00 – Intro

1:14 – Taxes Become a Planning Issue

2:02 – Tax Buckets

6:00 – The Hidden Tax Risks

9:07 – IRMAA Risk

10:31 – Roth Conversions

12:36 – Survivor Tax Risk

15:13 – Retirement = More Complex Taxes