DW Financial Group LLC

🚨 **The 7 Hidden Risks of Traditional IRAs & 401(k)s** 🚨

Most people think tax-deferred accounts like IRAs and 401(k)s are safe retirement vehicles—but they come with **seven unavoidable risks** that can quietly drain your wealth, lifestyle, and legacy:

1️⃣ **Future Tax Rates** – Your savings could be taxed at *higher* rates later, sending more of your money to the IRS.

2️⃣ **Required Minimum Distributions (RMDs)** – Even if you don’t need the income, you’re forced to withdraw—and pay taxes—potentially depleting your accounts faster than they grow.

3️⃣ **Ongoing Fees on Uncle Sam’s Cut** – You're paying investment fees on money that was never really yours. The government owns a portion—and always will.

4️⃣ **The Widow’s Penalty** – After one spouse passes, the survivor faces higher tax brackets and lower Medicare thresholds.

5️⃣ **Social Security Taxation** – IRA withdrawals can push you into income ranges where your Social Security becomes taxable.

6️⃣ **Medicare IRMAA Penalties** – Those same withdrawals can also lead to *higher* Medicare premiums.

7️⃣ **The 10-Year Rule** – Your heirs must empty inherited IRAs within 10 years, likely during their highest-earning years—resulting in a big tax hit.

👉 These risks quietly transfer wealth from your future and your family to the government and financial i