Natalia Gdovskaia / Getty Images Tax surprises rarely come from a single decision, but can result from many small ones that add up. Before selling investments, withdrawing retirement funds, or filing jointly without a plan, loop in your CPA or financial advisor. Key Takeways Selling investments without considering tax timing can push you into higher brackets. Coordinating financial decisions with your CPA or advisor before acting—rather than after—prevents costly surprises.​ Required minimum distribu ...