Tax-planning

The tax code hides traps that cost retirees thousands every year. Learn about the Social Security torpedo, widow penalty, RMD bomb, and nine other costly mistakes — before they catch you.

A decade of low-bracket conversions can save six figures in lifetime taxes. Learn the advanced strategies — bracket filling, multi-year planning, and timing around life events — that separate tax-savvy retirees from everyone else.

Most retirees pay taxes on Social Security — and many pay more than they should. Learn how the tax torpedo works, why thresholds from 1993 still apply, and strategies to keep more of your benefits.

The same retirement income can cost you $6,000 more in California than Florida — every year. Learn which states are most tax-friendly for retirees and what factors matter beyond the headline numbers.

In retirement, your taxes are largely within your control. Learn how to fill low brackets, avoid costly jumps, and smooth your income across decades to minimize lifetime taxes.