Can IRA Withdrawals Increase Taxes On Social Security?

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Wondering how your retirement account withdrawals affect your Social Security?

In this video, I’ll break down how to determine how much (if any) of your social security is subject to taxes, plus how pulling money from a Roth IRA, Traditional IRA, or Brokerage Account can impact how much of your Social Security ends up being taxed.

We’ll cover:
✅ How Social Security taxation really works
✅ The role of “provisional income” in calculating taxes
✅ Which accounts give you the most flexibility
✅ Strategies to minimize taxes in retirement

If you’ve saved across different account types, understanding the order of withdrawals can make a huge difference in how much you actually keep.

📈 At Spark Wealth Advisors, we build retirement income plans that help you maximize Social Security, lower your tax bill, and create sustainable income for life.

👉 Watch until the end for real-world examples and planning tips you can use.

🔔 Don’t forget to subscribe for more retirement and tax-smart planning strategies.

0:00 Intro
0:48 AGI
1:50 Provisional Income Formula
2:32 Provisional Income Brackets
3:28 Provisional Income Example
4:25 Calculating Taxable Social Security
5:36 Tax Return Example
7:05 Withdrawals & Affect on AGI
8:49 3 Withdrawal Scenarios

#socialsecurity #taxplanning #retirementhacks #rothIRA #retirementplanning

⚠️DISCLAIMERS⚠️

This content is educational and not tax, legal, or investment advice

Past performance is no guarantee of future results.


Investing risks include loss of principal and fluctuating value. There is no guarantee an investment strategy will be successful.

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Spark Wealth Advisors is a registered investment advisor in the state of Florida. We are fee-only, independent, and fiduciaries at all times. We are a gay-owned financial planning and investment management firm located in Jacksonville, FL serving clients nationwide. Not all of our clients identify as LGBTQ+ but they are allies, a non-negotiable for working with us. We look forward to meeting you soon!

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