06/13/2026
Tax traps in retirement ⚠️
A lot of people focus on building retirement savings.
Far fewer plan for how those withdrawals may be taxed later.
Some common retirement tax traps:
• large Required Minimum Distributions (RMDs)
• triggering higher tax brackets
• unexpected taxation on Social Security
• IRMAA surcharges increasing Medicare premiums
• large IRA withdrawals in one year
• failing to diversify taxable vs tax-free income sources
• leaving beneficiaries large taxable retirement accounts
Retirement planning is not just about accumulation.
It is also about distribution strategy.
The goal is not simply to have money in retirement —
it is to keep more of it working efficiently for you over time.
Tax planning can become just as important as investment planning later in life. 📈