Retirement doesn’t always mean lower taxes—in fact, many retirees pay more than expected once Social Security, pensions, and required withdrawals kick in. In this episode, Ryan and Zane share four key strategies to take control: bracket management, tax diversification, Roth conversions, and withdrawal sequencing. With real-life examples and simple metaphors, they show how smart planning can save thousands over a lifetime and keep more of your hard-earned money working for you.   Check out the updated 2025 Tax Bracket Chart to see where you stand today.   Subscribe to our podcast and follow Zynergy Retirement on Instagram, Facebook, and LinkedIn @ZynergyRetirement for more strategies to keep your retirement on course.