Hi Reader,

Most people think Social Security is straightforward—until taxes show up.

The truth is, what you don’t know about how your benefits are taxed can cost you more than you expect.

In this episode of The Simply Retirement Podcast, I explain how Social Security gets taxed and why it hits harder for women filing single later in life.

I break down the Social Security "Tax Torpedo", walk through real examples, and share strategies to help you keep more of your income in retirement.

On this week's episode we discuss:

• What provisional income is and how it determines whether Social Security benefits are taxable
• How even tax-free income sources like municipal bonds can increase Social Security taxation
• The “Social Security tax torpedo” and how small withdrawals can trigger significantly higher taxes
• Why Roth IRAs and strategic withdrawal planning can reduce the overall tax impact
• The importance of early preparation, especially for women who may file as single in later retirement
• And more!

Click the image to listen to this week's episode on the website - or on your favorite podcast app.

You Can Also Tune In On:

Episode Resources

• ​Episode 54 Transcript​
• ​Join the Simply Retirement Newsletter
• ​Ask a Question or Suggest a Topic for the Podcast​
• ​Join The Simply Retirement Podcast Facebook Group​
• ​Social Security Quick Reference Guide for 2025​
• ​Savvy Social Security Planning for Women​
• ​More Episodes on Effective Social Security Planning​

Have more questions about retirement planning? Just hit reply to this email. I read and respond to every message. 😃

Keeping Retirement Simple,

Eric Blake, CFP®

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This commentary should not be regarded as a description of advisory services provided by Blake Wealth Management or RFG Advisory, or performance returns of any client. The views reflected in the commentary are subject to change at any time without notice.

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201 W Virginia Street, Suite 102
McKinney, TX 75069
972-426-7237
www.blakewealthmanagement.com
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