Centennial Advisors Presents
How to Help Prepare a Surviving Spouse for the Widow’s Tax Trap
The tax code can create planning challenges after the loss of a spouse, including changes to income, deductions, tax brackets, and filing status. Learn educational strategies that may help families plan ahead.
You've spent 40 years building your wealth together. But if you don't plan for the Single Filer tax trap, the IRS could take up to 30% more of your surviving spouse's income.
Free Educational Workshop · Open to the Community · Limited Seating
No upcoming events — check back soon
The Problem
Most retirees were never taught how taxes work in retirement.
The rules change dramatically once you stop working. Here's what's quietly draining many retirees' savings:
The RMD Time Bomb
Required Minimum Distributions can force you into a higher tax bracket — and many retirees don't see it coming until it's too late to plan around it.
Social Security Taxation
Up to 85% of your Social Security benefit may be taxable. Whether it is — and how much — depends on decisions you can control.
The Single Filer Tax Trap
When one spouse passes, the survivor's filing status shifts from joint to single — and the same income can land in a much higher bracket. With planning done in advance, this "widow's penalty" may be reduced.
Leaving Your IRA to the IRS
Without the right beneficiary strategy, a significant portion of your hard-earned savings could go directly to the IRS instead of your family.
Engaging Guidance
A practical, plain-English guide to reducing retirement tax.
This workshop is built around the T — Taxation — of our Retire R.I.G.H.T.(E.) planning framework. Real strategies. Real numbers. No jargon.
- Understanding Your Lifetime Tax Burden — See the big picture of what you may owe in retirement, and how to change it.
- Roth Conversion Strategies — When a Roth conversion may make sense, and when it doesn't.
- Managing RMDs Proactively — How to reduce the tax hit of Required Minimum Distributions.
- Social Security Taxation — Strategies designed to keep more of your benefit out of the IRS's hands.
- The Single Filer Tax Trap — Planning strategies designed to help shield a surviving spouse from a sharp jump in tax liability.
- The Path Toward Lower Lifetime Tax — How coordinated planning across income, Roth, and legacy decisions may legally reduce your total tax bill.
This is an educational event. No products will be sold at the workshop.
Is this for you?
Who should attend?:
This workshop is designed for individuals who:
- Are between the ages of 55-70
- Have atleast $500k saved for retirement - in an IRA, 401(k), or investment accounts
- Are retiring in the next couple of years or have already retired within the last 5
- Open to working with an advisor
- Are concerned about taxes, income, or market risk
This event is designed for people just like you. Be sure to secure your spot today!
Workshop details
Seating is intentionally limited to keep the workshop interactive.
Unable to attend but interested in learning more?
If you can't attend due to scheduling conflicts, call 210-310-3075. We'll schedule a one-on-one meeting with an advisor at your convenience.
