A FREE 2026 GUIDE FROM WILLIAMSON WEALTH MANAGEMENT
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
DOWNLOAD THE FREE GUIDE
Send me the 2026 retirement tax guide.
Send me the 2026 retirement tax guide.
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
You want a written reference you can read once, then share with your spouse
Most of your retirement savings is in traditional 401(k)s, traditional IRAs, or other pre-tax accounts
You want plain English explanations, not technical jargon or sales pitches
ABOUT THE ADVISORS
Joshua Williamson
The decisions you make about your investments, retirement income, and tax strategy in the years leading up to retirement will determine whether your retirement is everything you worked for — or full of uncertainty and regret.
I work with families and pre-retirees throughout the nation who are serious about protecting what they've built, reducing their tax burden, and making sure they never run out of money in retirement.
All consultations are complimentary. In our first meeting I'll be completely transparent about how I'm compensated — there's no financial obligation and no pressure.
ABOUT THE ADVISORS
Read it. Share it. Plan around it.
The full 18-page guide, free. No paywall, no upsells. Enter your name and email and we'll send the PDF to your inbox.
DOWNLOAD THE FREE GUIDE
Send me the 2026 retirement tax guide.
Send me the 2026 retirement tax guide.
Nashville, Tennessee (615) 838-2566 josh@williamsonwealth.net
Investment advisory services offered through Brookstone Wealth Advisors, LLC (BWA), a registered investment advisor. BWA and Brookstone Capital Management, LLC are affiliated companies. BWA and Williamson Wealth Management are independent of each other. Insurance products and services are not offered through BWA but are offered and sold through individually licensed and appointed agents.