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Insights

Woman celebrating her 65th birthday with a white frosted cake topped with number 65 candles, representing the age when many retirees ask about IRA taxes

Do I Have to Pay Taxes on My IRA After Age 65?

Still paying taxes on your IRA after 65? Here's exactly how Traditional and Roth IRAs are taxed in retirement — and the RMD rule most retirees miss.

Person withdrawing cash from an ATM, representing an IRA withdrawal above the required minimum distribution (RMD)

What Happens If You Take More Than Your RMD?

Withdrawing extra from your IRA won't trigger a penalty — but it could bump you into a higher tax bracket. Here's the RMD rule most retirees miss.

Hand tying a red ribbon around rolled cash, illustrating the question of whether you can gift your RMD to family

Can I Gift My RMD to Family?

Yes, you can gift your RMD — but the IRS still sends the bill to you, not your family. See how RMD taxes actually work before you write that check.

Are Taxes Taken Out of Your RMD?

The default rate might be costing you more than it should. Here's how to set the right withholding — and what most retirees miss.

Financial advisor signing retirement tax planning documents, representing Big Beautiful Bill Social Security tax changes

What Does the Big Beautiful Bill Do for Social Security?

Wondering what the Big Beautiful Bill does for Social Security? It doesn't cut the tax directly — but a new senior deduction could still shrink your bill. Here's how it actually works.

Roth IRA and 401(k) retirement account paperwork with a calculator and question mark note, representing the question: how can I avoid paying taxes on my retirement account

How Can I Avoid Paying Taxes on My Retirement Account?

Trying to avoid taxes on your retirement account? Learn why the real goal is lower lifetime taxes — through Roth conversions, QCDs, and smart capital gains planning.

Tax rate schedules highlighted on IRS tax table, illustrating federal tax brackets for retirement income

What Tax Rate Do You Pay in Retirement?

What tax rate do you pay in retirement? It depends on your income mix — here's how Roth withdrawals, Social Security, and pensions are actually taxed.

Social Security cards representing how Social Security benefits are taxed in 2026

How Is Social Security Taxed?

Wondering how is Social Security taxed in 2026? See the exact combined-income thresholds, a step-by-step calculation, and 3 fiduciary-approved ways to keep more of your benefit.

Hand dropping a coin into a glass jar labeled "Pension," illustrating how pension income is taxed

How Is My Pension Taxed?

Federal rules, state-by-state differences, and public vs. private pension treatment — explained by a Lee's Summit fiduciary advisor.