EPISODE · Apr 10, 2026 · 13 MIN
The 401(k) Tax Trap: Why Maxing Your 401k Can Backfire in Retirement
from A Smarter Way To Retire with Tony Leonardi, CFP® · host Anthony Leonardi
Maxing your 401(k) sounds smart — until the tax torpedo hitsin retirement.Tony Leonardi, CFP® explains the three tax buckets, how Social Security taxation creates hidden spikes, and why balanced retirement income planning is essential for tax-efficient retirement and legacy protection. Timestamps: 00:00 – The Trap Most Savers Fall Into 03:00 – The Three Tax Buckets 07:00 – The Most Valuable Planning Window 11:00 – Actionable Takeaways Download my free Roth IRA Conversion Playbook 2026Edition: https://www.leonardifamilywealthcare.com/roth-ira-conversion-playbook Because there IS a Smarter Way to Retire. #401kTaxTrap #TaxEfficientRetirement#RetirementIncomePlanning #TaxTorpedo #RothConversions #WealthPreservation#ConfidentRetirement
What this episode covers
Maxing your 401(k) sounds smart — until the tax torpedo hitsin retirement.Tony Leonardi, CFP® explains the three tax buckets, how Social Security taxation creates hidden spikes, and why balanced retirement income planning is essential for tax-efficient retirement and legacy protection. Timestamps: 00:00 – The Trap Most Savers Fall Into 03:00 – The Three Tax Buckets 07:00 – The Most Valuable Planning Window 11:00 – Actionable Takeaways Download my free Roth IRA Conversion Playbook 2026Edition: https://www.leonardifamilywealthcare.com/roth-ira-conversion-playbook Because there IS a Smarter Way to Retire. #401kTaxTrap #TaxEfficientRetirement#RetirementIncomePlanning #TaxTorpedo #RothConversions #WealthPreservation#ConfidentRetirement
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The 401(k) Tax Trap: Why Maxing Your 401k Can Backfire in Retirement
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