text:  And then lastly, we will talk about taxes and how the threat of increasing taxes could erode your retirement income. If you've never been through the process before, it's an incredibly eye-opening experience. It all starts with that phone call. That phone number, again, phone lines are open, 800-653-8404. Call now. Again, we will get into more misconceptions when we return on Retire Smart Maryland Radio. You need to be prepared for retirement.