A FREE 2026 GUIDE FROM JANTZ WEALTH SOLUTIONS

The taxes no one warned you about in retirement.

A practical 2026 guide to Social Security taxation, IRMAA surcharges, RMDs, the capital gains squeeze, and the planning window where coordinated decisions can avoid most of them.

  • The four hidden tax cascades most retirees never see coming
  • The eight-to-thirteen-year window where coordinated planning matters most
  • Three concrete things you can do this week to find your own window
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    The Taxes No One Warned You About in Retirement — 2026 Updated Guide, shown on print, laptop, and mobile
    What's inside

    Four tax cascades. One connected system.

    Most retirees plan for one or two of these. The guide walks through all four, why they trigger each other, and what the cumulative cost looks like across a typical retirement.

    01  THE FIRST TAX

    Social Security taxation

    Up to 85% of your Social Security benefits can become taxable based on a formula most retirees have never heard of, with thresholds that haven't changed since 1984.

    02  THE SECOND TAX

    IRMAA surcharges

    A one-time income spike can raise your Medicare premiums by thousands of dollars per year, triggered for two years, with no way to deduct your way out.

    03  THE THIRD TAX

    Required minimum distributions

    Starting at age 73, the IRS forces withdrawals from traditional 401(k)s and IRAs, percentages that escalate every year and magnify the other three taxes.

    04  THE FOURTH TAX

    Capital gains squeeze

    Selling appreciated investments triggers Net Investment Income Tax, Social Security cascades, and IRMAA brackets, on top of the capital gains rate itself.

    THE STRATEGY

    Most retirees don't know about this window.

    Working
    Wages, high tax
    The Golden Window
    8 to 13 years
    RMDs + SS
    Forced income

    Between the year you retire and the year RMDs begin at 73, there's a period of unusually low taxable income. The guide calls it the Golden Window because it's the only period in retirement when you have meaningful control over how much taxable income shows up on your return. The four taxes share something most retirees miss: there's a single window of time when a coordinated plan can address all of them at once.

    Who this is for

    The guide is built for retirees who want to plan, not panic.

    You're 55 to 75, retired or planning to retire within the next ten years
    Most of your retirement savings is in traditional 401(k)s, traditional IRAs, or other pre-tax accounts
    You want a written reference you can read once, then share with your spouse
    You want plain English explanations, not technical jargon or sales pitches
    Sean and Megan Jantz, financial advisors at Jantz Wealth Solutions in Twin Falls, Idaho
    ABOUT THE ADVISORS

    Sean and Megan Jantz.

    We're an independent advisory firm in Twin Falls, Idaho, serving clients in person and virtually nationwide. The kind of planning this guide walks through is the kind of planning we do every day, coordinating Roth conversions, Social Security timing, IRMAA management, and capital gains strategy so the four taxes work with our clients instead of against them.

    We built Jantz Wealth Solutions to do this work as hybrid advisors. That means we use both investments and insurance products, including growth annuities, income annuities, and indexed universal life, when each is the right tool for the plan. The plan drives the tools, not the other way around.

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    Read it. Share it. Plan around it.

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    DOWNLOAD THE FREE GUIDE

    Send me the 2026 retirement tax guide.

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