Welcome back to Market Moment! In today’s episode, Matt, Lee, and John tackle one of the most frequently asked retirement planning questions: "How can I lower my taxes in retirement?” From Roth conversions, RMDs (Required Minimum Distributions), and Social Security timing, to HSA utilization, IRMAA surcharges, and charitable giving (QCDs) — this discussion covers critical tax planning tools for both pre-retirees and younger investors looking to plan ahead. 🔍 Topics Covered: ➡️The benefits of Roth IRAs and Roth 401(k)s ➡️How Roth conversions can create tax-free retirement income ➡️Avoiding surprises with RMDs at age 73 or 75 ➡️Understanding IRMAA and Medicare premium increases ➡️Delaying Social Security to maximize lifetime benefits ➡️The importance of having taxable, tax-deferred, and tax-free "buckets" ➡️How HSA accounts can be used tax-free in retirement ➡️Qualified Charitable Distributions (QCDs) after age 70½   💼 Plus, the team touches on how tax laws may shift in the future, the risk of rising tax rates due to the national debt, and why proactive planning — not last-minute scrambling — is key to tax efficiency. 📈 Here is the link to the chart Matt references with historical tax brackets: The Federal Reserve Bank of St. Louis https://fred.stlouisfed.org/graph/?g=jm6o This Week’s Market Moment Segment: In the second half, the team explores what could potentially stall the current bull market. They discuss rising inflation, interest rate uncertainty, the softening job market, and global geopolitical risks — as well as reasons for long-term optimism, including AI innovation, corporate earnings, and historical market resilience during past crises. 👍 Like this episode? 💬 Email us your thoughts on the current bull market, the widening gap between socio-economic classes, and tax planning. TheMarketMoment@mach1fg.com   📩 Subscribe for weekly market insights, financial education, and practical retirement advice. 🍿 Watch Next: https://www.youtube.com/watch?v=tFKMNaz06KQ&t=1s 🎙The Market Moment Podcast! Last week's episode...https://www.youtube.com/watch?v=N-Sp1J0Pqy0 We're on Facebook! https://www.facebook.com/profile.php?id=61557724292379&mibextid=ZbWKwL Give us a follow on Instagram! https://www.instagram.com/themarketmoment/ www.instagram.com/themarketmomemt/   🎙️ About Us: The Market Moment podcast is hosted by financial advisors from Mach 1 Financial Group, a registered investment advisor based in Rogers, Arkansas. We deliver weekly insights into financial planning, retirement strategy, investing, and current market trends.   📢 DISCLAIMER: The hosts of the Market Moment podcast are employees of Mach 1 Financial Group, LLC (“Mach 1”), a registered investment advisor located in Rogers, Arkansas. A copy of Mach 1's current written disclosure brochure is available through the SEC website and at disclosures.mach1fg.com   #RetirementPlanning #TaxStrategies #RothConversion #FinancialPlanning #TaxesInRetirement #SocialSecurity #IRA #RMD #Investing #MarketUpdate #BullMarket #Inflation #MedicareIRMAA #HSA #QualifiedCharitableDistributions #PersonalFinance #WealthManagement