Retirement Resources.
Income strategies, tax moves, Medicare timing, Social Security decisions. The things you should be thinking about as you approach retirement.
Recent essays
All essaysWhy the IRMAA cliff is the most expensive surprise in retirement, and how to see it coming.
One extra dollar of income can cost you thousands in Medicare premiums two years later. Here's how we plan around the brackets, not into them.
The three accounts your withdrawal order should follow, and why most people get it backwards.
Pulling from a taxable account first isn't always right. Pulling from the Roth first almost never is. A walk-through.
Essay · 6 min"Can we retire?" is the wrong question. Here's the one we ask instead.
The binary yes/no of retirement readiness hides what families actually want to know. We reframe the question.
Essay · 9 minSequence risk, explained in one chart we actually use with clients.
Two retirees, same average returns, twenty-year different outcomes. This is the single chart that shows why order matters.
Essay · 8 minThe beneficiary mistake that undoes an estate plan in ten minutes.
Your 401(k) beneficiary form beats your will. Every time. Here's what that means, and the annual check we do with clients.
Client Q&A · 5 min"We have $1.4M across seven accounts. Is that a problem?"
A real question we answered for a real couple. Short answer: yes, and here's the consolidation we walked them through.
One planning letter, once a month. No pitches.
Our planners write a single essay a month on whatever's most relevant to retirees right now, tax law changes, Medicare deadlines, market responses. Sent once, never resold.