The expected "fiscal cliff" makes 2013 a difficult time to retire, in part because of uncertainties about tax rates, experts say. It might be wise to postpone retirement until the tax picture is clearer. "It's kind of a perfect storm in 2013," said Jason Wheeler, CEO of Pathfinder Wealth Consulting. "With questions about taxes, spending cuts, the markets, health care ... the year could be a rough one when it comes to retirement."