Retirement isn’t just about what you earn — it’s about what you keep.

In this episode of That Financial Guy Show, Keith Wilson breaks down the overlooked tax traps that quietly drain retiree income and create unnecessary stress. From Social Security taxation to IRMAA surcharges, Keith explains how to spot — and avoid — the hidden tax bites that come from well-intentioned decisions.

You’ll learn:
• How the “stacking rule” for income determines whether your capital gains are taxed at 0%, 15%, or 20%
• Why even municipal bond interest can make your Social Security taxable
• How one large IRA withdrawal can raise your Medicare premiums two years later
• The truth about Required Minimum Distributions (RMDs) and how Roth conversions or Qualified Charitable Distributions (QCDs) can help
• Why mutual fund distributions can create surprise tax bills in taxable accounts
• What the 3.8% Net Investment Income Tax (NIIT) really applies to
• How to design an income sequence across taxable, tax-deferred, and Roth accounts to stay efficient for life

Because managing taxes in retirement isn’t about doing more — it’s about doing things in the right order.

🎧 Tune in for a clear, practical deep dive into how to make your money last longer by keeping more of what you’ve already earned.

Helping you to be wise with your money!
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