You’ve climbed the retirement mountain and saved your millions, but is the IRS waiting at the peak to take a massive cut? In this episode of Clear Skies Retirement, Jay Kirkwood of Secure Financial Management explores the "two-sided coin" of income and tax management. Learn why high savings can lead to higher Medicare premiums and taxed Social Security if not handled with precision. From the risks of using 401ks for home down payments to the truth about target date funds and annuities, Jay reveals how to navigate complex distribution rules before time runs out.

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To learn more about Jay and the team at Secure Financial Management, including their "Get Me to Retirement" 5-Step Process, go to www.retire210.com

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