It’s easy to think that if the markets behave and your nest egg is big enough, that your retirement plan is safe. But more and more, we see that the real threat isn’t market risk — it’s taxes — especially when multiple income streams pile onto one return. Take Gwendolyn. She’s in her 70s, living in Florida, steady and smart. While juggling her husband’s therapy appointments, she still approaches her finances with precision. Her focus wasn’t on chasing strategies, but on keeping things “tidy.” That word carried more weight than she realized. Gwen and Harry had already begun some Roth conversions, but she worried about triggering unintended consequences. Could they lose deductions? Could Medicare premiums spike? Could one tax year unravel what took decades to build?