Engineers watch out for this tax trap in your retirement!

Claim your free, no cost consultation: https://calendly.com/d/cmkp-wg9-82f/q... Watch this next:    • Is $2.5 Million Enough to Retire? A Guide ...   CHAPTERS 0:00 The $3M Engineer Retirement Problem 1:00 Meet Patrick Hammond, CFP 1:35 Trap #1: The Tax Timing Collision 3:50 Trap #2: Concentration Risk in Company Stock 6:45 Trap #3: The Generalist Advisor Blind Spot 9:00 Recap & Free Consultation ABOUT If you've saved $3 million as an engineer, you'd expect retirement to finally feel like the reward for decades of hard problem-solving. So why do so many high-earning engineers quietly keep living like they're one bad year away from broke? It's rarely a market problem. It's tax timing collisions, company stock concentration, and advisors who understand portfolios but not equity compensation — and any one of them can undo years of disciplined saving without you ever seeing it coming. In this video, Patrick Hammond, CFP and Co-Founder of Guardian Financial Services, breaks down the three biggest retirement traps engineers with $3M+ saved run into — and what to do about each one before it costs you. In this video you'll learn: Why RMDs, stock vesting, and Social Security can all land in the same tax year — and trigger IRMAA Medicare surcharges you didn't see coming Why concentrated RSU holdings can quietly tie your retirement to the same company that pays your salary Why a generalist financial advisor can leave engineer-specific blind spots unmanaged What a coordinated, engineer-specific retirement plan actually looks like This video is for educational purposes only and is not individualized investment or tax advice. Your circumstances may differ; consult the appropriate professionals regarding your situation. Ready to see how these traps apply to your specific numbers? Book a free consultation — no cost, no pressure, no obligation: https://calendly.com/d/cmkp-wg9-82f/q... MORE FOR ENGINEERS — full playlist: https://studio.youtube.com/playlist/P... The RSU Double-Exposure Trap: When Your Paycheck and Portfolio Depend on One Company    • The RSU Double-Exposure Trap: When Your Pa...   Is $2.5 Million Enough to Retire? A Guide for Engineers    • Is $2.5 Million Enough to Retire? A Guide ...   Why a High Income Won't Make You Wealthy (For Engineers)    • Why a High Income Won't Make You Wealthy (...   The RSU Tax Mistake Costing Engineers $200,000 (And How to Fix It)    • The RSU Tax Mistake Costing Engineers $200...   If you found this helpful, drop a comment below, and share it with another engineer who's approaching this stage. #RetirementPlanning #Engineers #RSU #FinancialPlanning #wealthmanagement Any opinions are those of Patrick Hammond are not necessarily those of Raymond James. Expressions of opinion are as of this date and are subject to change without notice. There is no guarantee that these statements, opinions or forecasts provided herein will prove to be correct. Investing involves risk and you may incur a profit or loss regardless of strategy selected, including diversification and asset allocation. Past performance does not guarantee future results. Future investment performance cannot be guaranteed, investment yields will fluctuate with market conditions. Raymond James and its advisors do not offer tax advice. You should discuss any tax matters with the appropriate professional. CSP #1157213