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If you ve had a toe in the stock market for more than a few years, you likely have grown increasingly giddy watching your profits pile up. But there s a flip side to the story: Eventually, you might need to share a lot of those gains with your partner. If you have put money into Individual Retirement Accounts or workplace 401(k)-style plans on a pretax basis, as millions of Americans have, your investment partner all these years was Uncle Sam. When you start making withdrawals, your partner will want a share of the spoils. Taxes in sheltered accounts are easy to overlook if you have a long-term focus. But as retirement age approaches, the tax bill will come more into focus too, especially if tax rates start to rise. You might not be worth as much as you think.

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