Retirement is supposed to be the golden years: a time when you trade morning alarms for morning coffee on the porch and spreadsheets for crossword puzzles.
But for many retirees, an unexpected twist is complicating this idyllic picture—benefit programs are suddenly scrutinizing bank accounts, investment portfolios, and other assets more closely than a hawk eyeing its prey. Suddenly, a nest egg that was meant to provide security can trigger alerts that might reduce benefits, spark audits, or create a tangle of paperwork that no one wants to deal with.
