Posted on Wednesday, October 8, 2025
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by RoseMark Advisors
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Taxes Don’t Retire When You Do
Many retirees are surprised, and often frustrated, to discover how taxes can quietly erode their retirement income. After decades of diligent saving and investing, it can feel unfair to see hard-earned dollars siphoned away by Uncle Sam just when you hoped to relax and enjoy them.
Required Minimum Distributions (RMDs) from IRAs and 401(k)s, Social Security taxation thresholds, capital gains, and even Medicare premium surcharges (IRMAA) can all increase your tax burden in retirement. Left unchecked, these hidden taxes can shrink your income, increase healthcare costs, and reduce what you pass on to your family.
Why This Matters for Conservative Retirees
For AMAC members who value financial independence, personal responsibility, and stewardship, taxes aren’t just numbers on a return, they represent control over the legacy you leave behind. The less you give to Washington, the more you can invest in your family, church, and community.
3 Smart Strategies to Avoid the Retirement Tax Trap
1. Diversify Your Tax Buckets
Don’t rely solely on pre-tax accounts. Blend tax-deferred (traditional IRA/401k), tax-free (Roth IRA), and taxable investment accounts. This gives you flexibility to manage taxable income each year strategically.
2. Plan Roth Conversions Early
Strategic Roth conversions in lower-income years (such as between retirement and RMD age) can shrink future RMDs, reduce future tax brackets, and lower your lifetime tax bill. This can also help keep Social Security and Medicare premiums lower.
3. Time Withdrawals and Social Security Wisely
Coordinating when you claim Social Security and when you draw from retirement accounts can reduce how much of your benefits are taxed. Drawing from taxable accounts before tapping Social Security can sometimes lower your lifetime tax burden.
The Bottom Line
You worked too hard to lose your wealth to unnecessary taxes. With thoughtful planning and trusted guidance, you can reduce taxes, stretch your savings further, and ensure more of your wealth stays in your family — not Uncle Sam’s hands.
You don’t have to navigate this alone. Our team at RoseMark Advisors specializes in helping AMAC members protect their income, reduce taxes, and pass more wealth to the people and causes they love.
Schedule Your Complimentary Retirement Tax Review Today
Let’s uncover the hidden tax traps in your retirement plan — before they cost you.
This no-obligation conversation could save you thousands in future taxes — and give you the confidence you deserve in retirement.
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