Taxes. They’re unavoidable, no matter what stage of life you’re in. And that extends to retirement.\nIn the course of your retirement planning, be sure to account for these key tax issues. Otherwise, you may be in for a series of very unwanted — and unpleasant — surprises.\n\nImage source: Getty Images.\n\n1. Social Security benefits are taxed\nMany seniors are shocked to learn that Social Security benefits are subject to taxes at the federal level. And it doesn’t take a very high income threshold for that to be the case.\nTaxes on benefits hinge on provisional income, which is calculated as your non-Social Security income plus 50% of your annual benefit total. If you’re single and that number exceeds $25,000, you could face taxes on up to 50% of your benefits. If that total exceeds $34,000, you could be taxed on up to 85% of your benefits.\nMarried couples get a bit more leeway on provisional income, but not much. Once that income exceeds $32,000, couples face taxes on up to 50% of their benefits, and when it exceeds $44,000, taxes on up to 85% of benefits apply. If these limits seem very low, it’s because they haven’t changed in decades.\nAlso, while most states don’t tax Social Security, there are 13 states that do. And so all told, there’s plenty of opportunity to lose a chunk of that income source.\n2. RMDs could create an additional tax burden\nUnless you’ve saved for retirement in a Roth IRA, once you turn 72, you’ll be liable for required minimum distributions, or RMDs. If you have a Roth 401(k), those mandatory withdrawals won’t add to your tax burden. But if you have a traditional IRA or 401(k), those RMDs will be taxable.\nFurthermore, your RMDs could bump you into a category where your provisional income increases. The result? Taxes on your Social Security benefits.\nThe best way to avoid RMDs is to take advantage of a Roth IRA. If your earnings are too high to fund one directly, you can convert a traditional IRA to a Roth account instead.\n3. Your property taxes could increase\nMany seniors enter retirement mortgage-free. But even if you manage to pull that off, you’ll still have property taxes to grapple with. And there’s no telling how much those might increase.\nIf your home value rises through the years, you can expect your property tax bill to increase proportionately. And that could end up throwing your retirement budget off course. Unfortunately, property taxes are unavoidable, so the best you can do if yours rise is attempt to appeal them.\nTaxes can be a huge burden at any point in life, but in retirement, they can be even more stressful. Gear up for these tax situations so you’re not thrown for a loop while you’re trying to enjoy your senior years. If you prepare for taxes on Social Security benefits, RMDs, and property tax hikes, you can take steps to cover those costs rather than have them wreck your finances out of the blue.\nThe $16,728 Social Security bonus most retirees completely overlook If you’re like most Americans, you’re a few years (or more) behind on your retirement savings. But a handful of little-known “Social Security secrets” could help ensure a boost in your retirement income. For example: one easy trick could pay you as much as $16,728 more… each year! Once you learn how to maximize your Social Security benefits, we think you could retire confidently with the peace of mind we’re all after. Simply click here to discover how to learn more about these strategies.\nThe Motley Fool has a disclosure policy.