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  "path": "/taxes/tax-planning/how-the-tax-torpedo-targets-wealthy-retirees",
  "publishedAt": "2026-05-10T09:45:00.000Z",
  "site": "https://www.kiplinger.com",
  "tags": [
    "Tax Planning",
    "Wealth Creation",
    "Taxes",
    "Investing",
    "Wealth Management"
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  "textContent": "If you've saved millions for retirement, take cover from the \"tax torpedo\" of RMDs, IRMAA and the NIIT, which all conspire to spike your marginal tax rate.",
  "title": "I'm a Financial Planner: This Is How the Tax Torpedo Targets Wealthy Retirees (and How You Can Step Out of Its Path)"
}