Understanding retirement terms can make the difference between confidence and costly surprises. In this episode, Annetta Carter breaks down commonly misunderstood concepts like RMDs, IRMAA, and Roth conversions—and why not knowing them can lead to unintended tax consequences later on. The conversation also explores sequence‑of‑returns risk, hidden concentration in portfolios, and the importance of guaranteed income planning as retirement approaches. Annetta highlights how gaining understanding around these terms helps retirees make more informed decisions and prepare for both expected and unexpected financial challenges.

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