Hosts: Nick and guest advisor Cole Williams
Special Guest Absence: Dave is off living his best life in Bozeman, Montana (hopefully catching trout and not taxes).

In this episode of Kitchen Table Finance, we take a deep dive into one of retirement’s least sexy—but most critical—topics: taxes. Whether you’ve just filed and are ready to forget about them until next year (don’t), or you’re actively planning your golden years, this episode is packed with straight talk and strategies to help you keep more of what you’ve worked so hard for.

https://youtu.be/1XkZhAKdR-A

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  How taxes work in retirement – Spoiler: it’s not like your working years.

  
  
  
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  Three ways to pay your taxes once the paycheck stops – Withholding, estimated payments, or via pensions/social security.

  
  
  
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  Which accounts to draw from and when – Taxable, pre-tax, or Roth? The order matters more than you think.

  
  
  
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  What RMDs (Required Minimum Distributions) mean for your tax bill – Plus, when they start depending on your birth year.

  
  
  
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  Tax traps to avoid – Including Medicare surcharges (IRMAA), net investment income tax, and surprise Social Security taxation.

  
  
  
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  When Roth conversions make sense – Hint: it’s not one-size-fits-all.

  
  
  
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  Giving back smartly – How Qualified Charitable Distributions (QCDs) can keep your heart warm and your taxes low.

  
  
  
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  Special account strategies – HSA withdrawals, leftover 529 plans, and even employer stock gains through Net Unrealized Appreciation (NUA).

  
  
  
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  What if the tax laws change? – Because, well… they will.

  
  
  

Nick and Cole don’t just dump info—they break it down so you can understand how to apply it, avoid common missteps, and stay ahead of Uncle Sam without losing sleep.

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  Flowcharts and planning tools available upon request

  
  
  
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  Income Lab software insights for long-term planning

  
  
  
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  A healthy dose of common sense and humor (yes, about taxes)

  
  
  

Ready to get a grip on your retirement tax strategy?
Start with a Fit Meeting—no pressure, just a chat. Visit srbadvisors.com or email us at info@srbadvisors.com.

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