Perhaps you’ve been in the situation where tax time rolls around again, and you’re caught off guard by how much you owe. “Same job, same retirement income, same lifestyle, yet the tax bill is higher,” said Taylor Kovar, certified financial planner and CEO of 11 Financial. “That usually has less to do with earning more and more to do with how the tax rules quietly shift over time. They also change when thresholds move, benefits phase out, and rules expire, which is why checking in on your tax picture once ...