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[Music] hi im andy panko of tenon financial welcome to retirement planning demystified in this video ill be discussing four hidden taxes that can affect you in retirement while youre probably aware that regular income taxes apply throughout your whole life you may not be aware there are additional taxes that can impact you during your retirement one of my mottos when it comes to retirement planning is its not what you get its what you keep taxes always matter if you can minimize uncle sams cut of your income you obviously get to keep and use more of it and thats a good thing the first hidden retirement tax id like to discuss is income tax on social security benefits now to be fair this tax isnt actually hidden per se but you may not be aware there are ways you can plan and manage your income to minimize the tax on your social security at the federal level anywhere between zero to eighty-five percent of your social security benefits may be taxed the amount subject to taxation d