Your Tax Bracket Won't Drop When You Retire — Here's Why

Описание: Think you'll retire to a lower tax bracket? If you've been saving 10, 12, 15% of your income into a 401k for decades, that's probably not going to happen. In fact, your tax bracket could go up. Here's what no one told you about retirement taxes, and what you can do about it right now.

0:00 - Fed meeting update and 2026 market outlook
2:33 - Why the stock market rally isn't surprising
4:00 - Make hay when the sun shines: positioning your portfolio
5:23 - The "lower tax bracket in retirement" myth debunked
7:28 - Why tax savings beat investment returns
8:41 - Heading into tax season: ways to lower your bill
11:01 - Charitable donations and why most people lose the deduction
12:50 - QCDs: how one couple saved almost $400K in taxes
15:53 - Why you should never leave charity in your will
18:00 - Federal estate tax exemption explained for 2026
22:45 - The 72,000 page tax code and why you need help
24:21 - Decluttering your retirement accounts
25:43 - Trillions in lost 401ks: Doug's missing money
28:10 - Too many 401ks? Why consolidation matters
31:36 - The Roth quiz and booking your first appointment
39:48 - Gold at all-time highs: should retirees buy in?
41:27 - Gold as an emergency fund alternative
44:07 - Silver, platinum, and long-term precious metals performance
45:15 - The everything risk quiz

Joe and Doug break down why diligent savers often face higher tax brackets in retirement, not lower ones. This episode covers QCDs, charitable giving strategies, Roth conversions, 401k consolidation, the 2026 estate tax exemption, gold investing, and how to build a retirement plan that keeps more money in your pocket.

Resources mentioned in this episode:
Take the free Roth quiz: EverythingRothQuiz.com
Take the risk and volatility quiz: EverythingRiskQuiz.com
Book a free appointment with Sequinox: BookWithSequinox.com
Finding lost 401ks (Joe's video):    • How to find lost 401K money #retirement #i...  

#retirement #retirementplanning #retirementtaxes #401k #RothIRA
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🎙️ About the Show
Retirement: Everything They Never Told You brings you clear, straightforward conversations about retirement planning, the economy, investing, taxes, and financial strategy. Each week, Doug Harding and Joe Wirbick break down the topics that truly shape your financial life, without hype or jargon.
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📞 Get Your Complimentary Written Financial Plan
Want to know if your retirement savings are enough or how to reduce your taxes in retirement?
Joe and the Sequinox Wealth Management team offer complimentary written financial plans tailored to your goals.
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Call 877-441-4901
Visit Sequinox.com
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