10 Retirement Mistakes Quietly Draining $3M+ Portfolios

retirement planning 2026 / retirement mistakes / $3 million retirement tax planning Most people with $3 million or more in retirement savings assume the hard part is over — but 10 hidden mistakes with RMDs, Roth conversions, Social Security taxes, Medicare IRMAA surcharges, and the new 2026 senior tax deduction are quietly draining large portfolios every year. In this video, you'll learn exactly which mistakes to avoid and how to build a multi-year retirement tax strategy that protects your wealth for the next 20-40 years. ⏱ TIMESTAMPS 0:00 - Intro & Disclaimer 0:35 - The $3M Retirement Trap 2:30 - Mistake #1: The RMD Tax Bomb 4:15 - Mistake #2: Missing the Roth Conversion Window 5:45 - Mistake #3: Social Security Tax Trap 6:50 - Mistake #4: Medicare IRMAA Surcharge 8:20 - Mistake #5: One-Year Tax Thinking 9:30 - Mistake #6: The Outdated 4% Rule 11:00 - Mistake #7: Single Stock Overconcentration 12:40 - Mistake #8: Abandoning Bonds After 2022 14:10 - Mistake #9: Not Using Qualified Charitable Distributions 15:20 - Mistake #10: Missing the New 2026 Senior Deduction 17:00 - How to Fix It All Together ⚠️ Disclaimer: This video is for educational purposes only and is not personalized financial, tax, or legal advice. Please consult a licensed financial advisor before making any decisions. retirement tax mistakes, RMD 2026, Roth conversion strategy, Social Security taxes, Medicare IRMAA, 4% rule 2026, high net worth retirement planning, retirement withdrawal strategy, senior tax deduction 2026 #retirementplanning #retirementmistakes #rothconversions #RMD #taxplanning #usa