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Episode 6: Social Security, IRS Traps & Tax-Free Retirement — Featuring Insights on the One Big Beautiful Bill Act
Most retirees are shocked to learn their Social Security benefits may be taxed up to 85%—and that the IRS could become their largest, most silent retirement partner.
In this timely episode, Dereck Blair, President of Caprock Financial Group, unpacks the real-world impact of retirement tax policy—including insights from Becky Swansburg, CEO of Stonewood Financial, on the One Big Beautiful Bill Act, a sweeping U.S. tax and spending statute signed into law on July 4, 2025. This law outlines major components of President Donald Trump’s second-term agenda and could significantly affect how retirees structure income and taxes moving forward.
💬 Inside this episode, you'll learn:
✔️ How the IRS is quietly positioned to collect taxes on your Social Security benefits—and how to prepare
✔️ Where your Social Security tax dollars actually go (you may be surprised)
✔️ What the One Big Beautiful Bill Act could mean for retirees and future tax legislation
✔️ How Becky Swansburg’s in-depth analysis of the legislation is shaping proactive income planning
✔️ Which deductions retirees commonly lose—and how to avoid those losses through careful planning
Dereck also walks you through how his team uses clear, visual tools—like The Big Beautiful Bill tax illustration—to help families in West Texas better understand their true tax exposure and options.
📞 Call our office today at (806) 749-7870 to schedule your personal, in-office retirement review and learn how tax-smart planning could help you keep more of your hard-earned income.
🌐 Visit us online at: www.caprockfinancialgroup.com
🎧 Subscribe for weekly, down-to-earth retirement insights that put you back in control of your income, your plan, and your legacy.
Insurance products and services are offered and sold through Caprock Financial Group, an individually licensed and appointed insurance agent.
Information presented is for educational purposes only and does not intend to make an offer or solicitation for the sale or purchase of any specific securities, investments, or investment strategies.
#OneBigBeautifulBill #BeckySwansburg #SocialSecurityTax #IRSInRetirement #CaprockFinancial #CaprockBlueprint #TaxSmartRetirement #RetirementPlanning #LubbockTexas #SmartMoneyMoves #MoneyMattersPodcast #FinancialWellness #TrumpTaxPolicy #StonewoodFinancial
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By Dereck BlairMost retirees are shocked to learn their Social Security benefits may be taxed up to 85%—and that the IRS could become their largest, most silent retirement partner.
In this timely episode, Dereck Blair, President of Caprock Financial Group, unpacks the real-world impact of retirement tax policy—including insights from Becky Swansburg, CEO of Stonewood Financial, on the One Big Beautiful Bill Act, a sweeping U.S. tax and spending statute signed into law on July 4, 2025. This law outlines major components of President Donald Trump’s second-term agenda and could significantly affect how retirees structure income and taxes moving forward.
💬 Inside this episode, you'll learn:
✔️ How the IRS is quietly positioned to collect taxes on your Social Security benefits—and how to prepare
✔️ Where your Social Security tax dollars actually go (you may be surprised)
✔️ What the One Big Beautiful Bill Act could mean for retirees and future tax legislation
✔️ How Becky Swansburg’s in-depth analysis of the legislation is shaping proactive income planning
✔️ Which deductions retirees commonly lose—and how to avoid those losses through careful planning
Dereck also walks you through how his team uses clear, visual tools—like The Big Beautiful Bill tax illustration—to help families in West Texas better understand their true tax exposure and options.
📞 Call our office today at (806) 749-7870 to schedule your personal, in-office retirement review and learn how tax-smart planning could help you keep more of your hard-earned income.
🌐 Visit us online at: www.caprockfinancialgroup.com
🎧 Subscribe for weekly, down-to-earth retirement insights that put you back in control of your income, your plan, and your legacy.
Insurance products and services are offered and sold through Caprock Financial Group, an individually licensed and appointed insurance agent.
Information presented is for educational purposes only and does not intend to make an offer or solicitation for the sale or purchase of any specific securities, investments, or investment strategies.
#OneBigBeautifulBill #BeckySwansburg #SocialSecurityTax #IRSInRetirement #CaprockFinancial #CaprockBlueprint #TaxSmartRetirement #RetirementPlanning #LubbockTexas #SmartMoneyMoves #MoneyMattersPodcast #FinancialWellness #TrumpTaxPolicy #StonewoodFinancial