What if the biggest threat to your retirement isn’t the market, but your taxes? In this episode, Kelton breaks down how different income streams—IRAs, Roth accounts, brokerage investments, annuities, and Social Security—are all taxed in unique ways that can quietly drain your nest egg. You’ll hear why required minimum distributions can complicate even the best‑laid plans, and how strategies like Roth conversions or timing withdrawals may help reduce tax strain.

Click here to schedule an appointment with Kelton and his team or call 724-766-8853.

Listen to Kelton every Saturday at 10:30 AM on WJAS.

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