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Taxes in Retirement

Bob Carlson of Retirement Watch on how to manage your taxes and planning strategies to pay less

Found 446 Articles.
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Social Security Benefits for Divorced Spouses

August 28, 2023

There’s no such thing as “divorce benefits” in the Social Security law, but divorced spouses are eligible to receive benefits based on an ex-spouse’s earnings record. Spousal benefits are often available to ex-spouses and on fairly liberal terms. Divorced spouses sometimes have better options and more flexibility than current spouses. But a small difference in […]

estate planning

How to Minimize the Most Important Number on Your Tax Return

August 13, 2023

It’s the most important number on your federal income tax return. The number I’m referring to is your adjusted gross income (AGI). In your retirement years, AGI is more important than for most other taxpayers. Before retiring, taxable income probably is the most important line on your return, and many people believe it still is […]

Gimme Shelter: Hidden Real Estate Tax Bombs to Avoid

August 11, 2023

For many pre-retirees and retirees, the equity in their homes is often one of their largest retirement assets.  This Special Report reveals some little-known strategies to avoid or reduce hefty capital gains taxes. Click on the PDF below to learn more. […]

More Ways To Increase Your After-Tax Investment Returns

May 28, 2023

Last week’s Retirement Watch Weekly covered ways to increase your after-tax investment returns. Let’s pick up where we left off. When your investment strategy says it’s time to sell an investment, don’t hold it for months hoping it will mature to a long-term capital gain. It might make sense to wait if it will mature […]


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How To Increase Your After-Tax Investment Returns

May 21, 2023

The old adage is, “You can’t spend pre-tax returns.” After-tax returns are what count. Well, the tax rules on investments are in effect all year, but few people take advantage of that. Too many people don’t start thinking about investment taxes until near the end of the year, or even after the year is over. […]


Plan Now to Avoid Stealth Taxes this Year

May 14, 2023

Retirees and near-retirees need to worry more about Stealth Taxes than regular income taxes. Stealth Taxes include the amount of Social Security benefits added to gross income, the Medicare premium surtax (also known as IRMAA), the 3.8% net investment income tax and more. Some Stealth Taxes are directed specifically at retirees, such as the tax […]


The Four Ways You Can Make Tax-Free Gifts

March 19, 2023

Gift giving is an essential strategy in many estate plans. When done properly, gifts reduce lifetime income taxes and reduce or eliminate estate and gift taxes. Through gifts, you help loved ones today, and see the benefits of that help, instead of having them wait to inherit. To optimize gifts, know how to minimize gift […]

Estate Tax

Know the Tricks and Traps of the ‘Wash Sale’ Rules

March 12, 2023

Few taxpayers were interested in or needed to know the “wash sale” rules, until recently. When stock prices rose steadily, the wash sale rules didn’t come into play. The rules matter only when investors sell stocks at losses. That’s why the wash sale rules have been more important since 2021. The wash sale rules were […]

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