This is Part 2 of our Hidden Risks series, and we’re shifting focus to one of the biggest long-term threats to your retirement: taxes. Some risks don’t hit all at once, they slowly wear down your plan over time. Scott breaks down how tax decisions shape your income, flexibility, and long-term outcomes. If Part 1 was about protecting your plan, this one is about keeping more of what you’ve built. Here’s what we cover in this episode: 💸 Tax Drag: Small inefficiencies add up over time 🪣 Tax Buckets: Where your money sits matters 📉 RMD Pressure: Forced withdrawals can raise taxes 🏥 IRMAA Risk: Income can increase Medicare costs 👥 Survivor Impact: Taxes can rise after a spouse passes   Watch Part 1: The Hidden Risks That Could Derail Your Retirement: What Most People Forget to Protect - https://youtu.be/BY0UpdmV5cg    💼 Want expert help in planning for your financial future? Apply for a consultation here 👉 https://calendly.com/erg-kc/introductory-phone-call-with-erg   📞 Call us: 913-393-4724   🌐 Visit our podcast website:  https://listentoscott.com/   📚🛠️ Check out Scott's book, Exceptional Retirement, and Retirement Toolkit Download here 👉 https://keap.page/bu413/exceptional-retirement-youtube.html   🎥 Subscribe to our YouTube channel for more retirement insights! 🔔 http://youtube.com/@erg-kc?sub_confirmation=1   📰 Read our latest articles on Kiplinger: https://www.kiplinger.com/author/scott-m-dougan-rfc-investment-adviser   📌 Follow us for expert retirement planning tips! https://www.facebook.com/elevatedretirementgroupkc/   #retirement #retirementplanning