The Retirement Expense Most People Never See Coming

Mason Street Retirement Insights · Oct 6, 2026 · 14m

What if taxes, not market losses, end up being the biggest threat to your retirement income? Sean Mason breaks down why many retirees focus on investment returns while overlooking the long-term impact of taxes. The conversation explores tax traps tied to IRA withdrawals, Social Security taxation, Medicare surcharges, required minimum distributions, Roth conversions, and tax-loss harvesting. Sean explains the difference between tax preparation and tax planning, why controlling tax brackets matters in retirement, and how a year-round approach can play a role in managing retirement income and…