Income and Tax Planning for Clients Working at 70 or Beyond

Expert Opinion July 13, 2026 at 08:24 AM
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What You Need To Know

  • Some 25% to 30% of retirees have changed their minds and gone back to work full or part time.
  • Social Security benefits are calculated based on a worker’s top 35 years of lifetime earnings and are not locked in once a client files.
  • An RMD of any significance on top of income from employment or self-employment can result in much higher taxes.
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