A simple 401(k) move could quietly trigger unexpected taxes in retirement. Eric Hutter explains how “phantom income” from withdrawals, RMDs, or even loan defaults can push retirees into higher tax brackets without realizing it. He breaks down required minimum distribution rules, common mistakes, and why tax planning matters as retirement approaches. The conversation also explores shifting tax rates, Roth conversion considerations, and the importance of evaluating withdrawal strategies. With taxes and policy uncertainty in play, understanding how different decisions impact income, Medicare costs, and long-term savings remains a key part of retirement planning.

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