The retirement rules that worked decades ago may be creating hidden risks today.

 In this episode, Charles Winfrey examines common retirement assumptions from the 4% rule and relying on home equity to overlooking longevity risk and phantom income. He discusses how taxes, fees, RMDs, Medicare premiums, and Social Security taxation can affect retirement cash flow, why living longer changes the planning equation, and how Roth conversion strategies may fit into a broader retirement approach. The conversation focuses on building a retirement income plan that accounts for spending needs, tax efficiency, and long-term financial sustainability.

Hear The Tax Smart Retirement show every Sunday at 6am WAMJ 107.5/97.5 Powered by The Rollover Company.

For more information and to schedule a complimentary consultation with Charles Winfrey, visit www.Rollovercompany.com.