ELK GROVE, Calif. -- If you want to keep your smile in retirement it is best to be fiscally and mentally prepared for out of pocket dental expenses. When we are in work mode a lot of dental expenses and routine cleanings are covered. Once retirement hits and we are in the spending phase of life these dental trips can add up and add up fast.

Another hidden surprise is in the area of taxes. Social Security is one source of income that often gets taxed when income hits certain thresholds. Not to mention hitting the 70 1/2 required minimum distribution trap for IRAs. This is causing younger investors to look for alternative sources of investing to avoid high tax bills in retirement.

For prudent savers who planned well for retirement spending that savings reserve is not always easy. During the work years accounts nearly always went up if not for the mere fact that contributions were always being added. This is often a surprise that takes adjustment as one begins retirement.

The fourth surprise is often related to time and interest in the market. Most lose the interest in watching the market and many fill their life with other fulfilling endeavors that little time is left for symbol gazing.

Matt is an authority on creating innovative tax and investment solutions to help his clients succeed in their retirement years. The strategies Matt Golab has established and passed on through successful financial planning with hundreds of clients over the years have launched him into the national spotlight.

Matt Golab can be reached at www.aaronmatthewsfinancial.com