Hidden “health-care” taxes can quietly drain thousands from an otherwise solid retirement plan—especially the 3.8 % Net Investment Income Tax (NIIT) and its companion 0.9 % Medicare surcharge. In this video, Hunter Brockway of Boca Retirement Strategies explains:

what the NIIT really is and which income sources it targets;

the MAGI thresholds ($250 k married / $200 k single) that flip on the 3.8 % switch;

lesser-known traps for estates and high earners; and

practical moves—Roth conversions, salary deferrals, smarter distribution timing—that keep more of your money working for you.

If you want a free, tax-smart retirement plan tailored to your situation, book a call at BocaRetirement.com or email [email protected]—no cost, no obligation.

⏱️ Chapters 0:00 Intro – The “Shadow Taxes” Most Retirees Miss 0:28 What Counts as Investment Income? 0:54 NIIT & MAGI Thresholds Explained 1:26 How Income Stacking Triggers the 3.8 % Surtax 1:58 Other Hidden Health-Care Taxes (0.9 % Medicare, Deduction Limits) 2:28 Smart Strategies: Roth Conversions, 401(k) Deferrals, Distribution Planning 3:05 Free Tax-Smart Retirement Plan – How to Get Yours 3:36 Final Takeaways & Next Steps

Like the content? Subscribe and tap the bell so you never miss strategies for retiring with more money and fewer taxes.