What if the biggest tax mistakes in retirement happen years before you ever file a return? In this episode, Steve Standley explains why taxes shouldn’t be treated as a once‑a‑year problem—especially as you approach retirement. He breaks down the “retirement trap zone,” an important window when decisions around withdrawals, Social Security, and required distributions can quietly shape your tax picture for decades. The conversation explores why reactive withdrawals create long‑term issues, how tax timing matters more than tax season, and why thinking in net dollars—not gross balances—changes retirement planning altogether.

Ready for your Retirement Paycheck? Connect with Steve today.