Taxation in Retirement

Retirement income taxes can be tricky — but the right strategy can make all the difference.

Category: Planning & Retirement
Ideal for: Retirees, financial wellness classes, community education programs, library seminars
Length: 30–60 minutes, flexible

What This Talk Covers

Taxes don’t stop in retirement—in fact, they can sneak up in surprising ways. This talk explores the tax treatment of common retirement income sources like Social Security, pensions, IRAs, and annuities. Attendees will learn how different buckets of money (taxable, tax-deferred, tax-free) affect their bottom line, and why withdrawal sequencing and planning ahead can make a big difference. Steven provides clear explanations, real-world examples, and a non-technical framework that helps retirees and pre-retirees start thinking about taxes as a long-term retirement risk—not just a springtime headache.

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Key Takeaways

  • The three tax buckets of retirement income 
  • How Social Security, IRAs, pensions, and annuities are taxed 
  • RMDs, Roth conversions, and timing strategies 
  • How tax planning fits into retirement income planning 
  • Common mistakes and opportunities to reduce tax friction 

Who This Talk Is For

  • Retirees and near-retirees who are:
  • Drawing income from multiple sources
  • Wondering how to create a tax-efficient retirement paycheck
  • Financial education classes
  • Library events
  • Church retirement groups

Why This Topic Matters

Retirement income isn’t always taxed the way people expect. Without a plan, retirees may overpay or trigger avoidable tax brackets and surcharges. This talk equips attendees to think strategically—not just annually—about their taxes. It replaces confusion with clarity—and often saves money down the road.

What Setting Is Best

This talk is designed to be accessible, engaging, and informative in any setting — whether you’re hosting a formal educational workshop or a casual community gathering.

Ideal venues include:

  • Financial education workshops
  • Retirement readiness seminars
  • Community centers or library events
  • Church groups or Sunday school retirement classes
  • CPA or advisor-led client education nights

All I need is a quiet space, a place to project slides (optional), and a group of people ready to learn. I tailor the delivery style to fit your audience’s comfort level and questions.

Ready to Bring This Talk to Your Group?

Start thinking strategically about your retirement taxes because what you keep matters just as much as what you earn.

Click below to check my availability or to request this presentation.

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Disclaimer: 
Steven is not a Certified Public Account or Enrolled Agent. This talk is not tax advice and should not replace personalized guidance from a qualified tax professional.  The information shared in this lecture and in any accompanying handouts or workbooks is believed to be accurate and current at the time of development. However, laws, regulations, and financial data can change quickly, and no guarantee is made that all information remains up to date. 

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