The workshop gives retirees a clear\, prac tical understanding of how taxes shift throughout retirement and why timin g matters more than ever. We no longer have retirement income that is "one stream\," it's a sequence of tax triggers. This workshop goes through a F our Stages framework for retirement related to spending down large lump su m 401k balances. We break down how Social Security\, Medicare IRMAA\, RMDs \, capital gains\, and charitable strategies interact\, often creating hid den &ldquo\;tax pressure points&rdquo\; that catch retirees off guard.
\nAttendees learn how these pressure points form\, how to spot them ear ly\, and how thoughtful planning can reduce lifetime taxation. The session is independent\, educational\, and designed to help retirees make confide nt\, informed decisions.
\nThis event is free and open to the public \, but registration is required.
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\nStephen Roth CFP is a fiduciary financial adviser and founder of Limestone Financial Group specializing in tax‑efficient retirement income planning and lifeti me income strategies that help families spend confidently through market v olatility. \; He has lived in SOMA with his family since 2016. \;< /p>\nhttps://maplewoodlibrary.libnet.info/event/17097183 URL;VALUE=URI:https://maplewoodlibrary.libnet.info/event/17097183 END:VEVENT END:VCALENDAR