People often pay more in taxes than expected because a confusing system treats various income types differently and contains hidden taxes and penalties.


Stage Ages Description
Pre-retirement 50–60 Work and save years
Early retirement 60–70 Go-go years
Middle retirement 70–80 Go-slow years
Late retirement 80+ No-go years


  • Inflation: People view their future costs in current dollars and don’t anticipate how those costs will grow with inflation.
  • Longevity: People may end up living longer than they expect, which requires more money.
  • Expenses: People underestimate how much they need to maintain their pre-retirement standard of living.
  • Health care: People don’t realize how much of their savings will be spent on health costs.

KEY #1: You must know what your after-tax retirement savings picture looks like BEFORE retiring.
KEY #2: Social Security and Medicare have “tax traps” and you need to plan for them, too.
KEY #3: You must plan how and when you will use taxable, tax-deferred, and tax-free assets to manage your income and tax brackets efficiently.
KEY #4: Organize your assets for your family’s benefit—estate planning still matters!

SOLUTION: Because your tax exposure will change throughout retirement, you need a tax strategy that:

  • Anticipates how and when you tap assets to cover your personal expenses.
  • Understands the range of taxes you will face at various stages.
  • Manages your actions so you pay as a low a tax rate as possible.

For more information, Click Here for the brochure: How Tax Planning Changes Through Four Stages of Retirement.

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