Investing, Taxes, and Risk: How Each Piece of Your Wealth Is Connected

My employer always handled my tax withholding. How do I pay taxes in retirement? Learn how to build a connected, tax-efficient retirement plan for 2026. Get your Modern Confidence Score here: yourconfidencescore.com How do I replace my work salary with a tax-efficient retirement paycheck? You should partner with a financial advisor and a CPA who work together to build a comprehensive financial plan centered around your specific lifestyle goals. While tax returns generally document historical financial activity, forward-looking tax planning may help evaluate opportunities to manage the timing of income and distributions across different asset types over short- and long-term planning horizons. Key Learning Outcomes • The Withholding Disconnect: Clarifying the confusion of paying taxes on your own income after a lifetime of employer automation. • The Coordinated Planning: Why an advisor and a CPA collaborating to align your tax return with your long-term life goals can be beneficial. • Asset Location Efficiency: Why leaving a Roth IRA to charity is an expensive mistake for your heirs. Video Chapters 1:09 Why does my financial advisor need to see my tax return? 3:14 How do taxes affect investment planning? 5:00 Do I still need life insurance once my mortgage is paid? 8:03 How do I make a retirement plan that covers everything? 8:58 Should I do a Roth conversion for my kids’ inheritance? 11:59 Why did my Medicare go up even though my income is the same? 17:26 How do I pay for long-term care without losing my house? 22:40 Is an annuity still a good investment for me? 26:07 What is a ‘comprehensive financial plan’? 29:12 How does giving to charity lower my taxes? 31:52 Retirement Planning Red Flags 36:59 Retirement Planning Green Flags Meet with us: https://bit.ly/4eOYw91 Education center: https://bit.ly/4nzeSos Retirement Plan Checklist: https://bit.ly/4eQbxyZ ____ Investment advisory services offered through Modern Wealth Management, LLC, a Registered Investment Ad