{"version":1,"type":"rich","provider_name":"Libsyn","provider_url":"https:\/\/www.libsyn.com","height":90,"width":600,"title":"Retirement Accounts and The Tax Surprise Hiding in Your IRA","description":"There\u2019s this belief a lot of smart, responsible people carry for decades: Save as much as possible in your retirement accounts, don\u2019t touch it, let it grow, future you will thank you. And then\u2026future you hits \u201cRMD age\u201d. Suddenly there\u2019s a number attached to your birthday. A required withdrawal. A tax bill you didn\u2019t fully picture. Medicare premiums reacting to your income. And the realization that most of your wealth lives in accounts the IRS still has a claim on. This conversation with Jessica and Emily feels like the moment when you zoom out and look at your entire financial life instead of just one account. It\u2019s about control. About flexibility. About asking better questions before the rules start making decisions for you. Because retirement should be about using it while you have the energy, the health, and the curiosity to enjoy it. And sometimes the smartest move isn\u2019t waiting, but planning earlier, so you don\u2019t feel boxed in later. Coffee in hand. Big-picture thinking activated. &amp;nbsp; 0:00 \u2014 The Big RMD Question 2:21 \u2014 Why Waiting Can Backfire 4:30 \u2014 The New Retiree Balance Problem 6:20 \u2014 How RMDs Push You Up Tax Brackets 9:05 \u2014 Real Numbers + Medicare Ripple Effects 12:05 \u2014 Smart Moves Before RMD Age 15:10 \u2014 Inheritance, Psychology, and Spending Flexibility  Please see important podcast disclosure information at https:\/\/monumentwealthmanagement.com\/disclosures &amp;nbsp; Connect with us:&amp;nbsp; &amp;nbsp; Get our Free Private Wealth Advice Newsletter: https:\/\/www.monumentwealthmanagement.com\/subscribe&amp;nbsp; LinkedIn: https:\/\/www.linkedin.com\/company\/monument-wealth-management\/&amp;nbsp; Connect with Emily on LinkedIn: https:\/\/www.linkedin.com\/in\/emilyharpercfp\/ Connect with Jessica on LinkedIn: https:\/\/www.linkedin.com\/in\/jessicagibbscfp\/ Instagram: https:\/\/www.instagram.com\/monumentwealth\/# Listen to Off The Wall, our podcast with market analysis: https:\/\/monumentwealthmanagement.com\/off-the-wall-podcast\/&amp;nbsp; ","author_name":"Between Sips","author_url":"https:\/\/sites.libsyn.com\/589145","html":"<iframe title=\"Libsyn Player\" style=\"border: none\" src=\"\/\/html5-player.libsyn.com\/embed\/episode\/id\/40312775\/height\/90\/theme\/custom\/thumbnail\/yes\/direction\/forward\/render-playlist\/no\/custom-color\/88AA3C\/\" height=\"90\" width=\"600\" scrolling=\"no\"  allowfullscreen webkitallowfullscreen mozallowfullscreen oallowfullscreen msallowfullscreen><\/iframe>","thumbnail_url":"https:\/\/assets.libsyn.com\/secure\/item\/40312775"}