Despite the tax rate reductions from the Jobs and Growth Tax Relief Reconciliation Act of 2003, the superior marginal income tax bracket for many retirees is often a whopping 46.3%. Why? Because Social Security benefits are subject to income financial. Those affected are Social Security recipients who purchase the good fortune (misfortune?) turn out to be subject to both the 25% taxes bracket along with the 85% inclusion rate for Social Security benefits. On one other hand, if you didn't fund...