Your Tax Bracket Won't Drop When You Retire — Here's Why скачать в хорошем качестве

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

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 __________________________________________________________________________ 🎙️ 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. __________________________________________________________________________ 📞 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. __________________________________________________________________________ Call 877-441-4901 Visit Sequinox.com __________________________________________________________________________ DISCLAIMER: This Channel DOES NOT Promote or encourage Any illegal activities, all contents provided by This Channel is meant for EDUCATIONAL PURPOSE only. Copyright Disclaimer Under Section 107 of the Copyright Act 1976, allowance is made for "fair use" for purposes such as criticism, comment, news reporting, teaching, scholarship, and research. Fair use is a use permitted by copyright statute that might otherwise be infringing. Non-profit, educational or personal use tips the balance in favor of fair use. SEQUINOX WEALTH MANAGEMENT, LLC 941 Wheatland Ave, Suite 101, Lancaster, PA • (717) 397-7957 • www.sequinox.com Fees: 1.45% under $1m, 1.24% over $1m (plus underlying product expenses). Status: Investment advisory services offered through SEQUINOX WEALTH MANAGEMENT, LLC (CRD 335246). Insurance Lic. 366531 (PA, AZ). Risks: Investing involves risk; past performance is not a guarantee. Insurance guarantees rely on the insurer’s claims-paying ability. Accreditations: CFP® – https://certificates.cfp.net/31f7f3a0... ADV/Disclosures: https://adviserinfo.sec.gov/firm/summ...