Of the six stealth taxes, all but one has been in existence for several years. Two of the stealth taxes are difficult to avoid due to their low-income threshold. While most of these stealth taxes may not kick in until retirement, planning for each stealth tax should begin several years before a federal employee retires and continues throughout his or her retirement. For more information contact Tim Stearns, CFP® at (800) 640-2256 and visit the website at https://www.tjstearns.com/.