After nearly 30 years of doing retirement planning, I can tell you that the Social Security claiming decision is one of the most consequential choices my clients face — and […]
When Should You Claim Social Security? The Break-Even Math That Changes Everything Read More »
I’ve had clients call me confused after getting a letter from Social Security telling them their Medicare Part B premium just went up — sometimes by hundreds of dollars a
IRMAA 2026: The Medicare Surcharge That Quietly Drains Retirement Income Read More »
One of my clients — I’ll call him Gary — came to me at 74 completely blindsided. He had $1.8 million sitting in a traditional IRA, had lived frugally his
How to Reduce Required Minimum Distributions (RMDs) Before Age 73 Read More »
Every April, millions of Americans celebrate a small tax bill as a win.Their accountant calls with good news. They owe $3,200 this year. Everyone’s relieved. Nobodyasks the harder question.What is
Retirement Tax Planning 2026: Why This Year’s Tax Return Is the Wrong Thing to Focus On Read More »
Most retirees assume tax season means writing a check to the IRS. But 2026 brings significantnew tax breaks—and if you know what to look for, you might be entitled to
8 Ways Retirees Can Get Money Back from the IRS in 2026 Read More »
Congress passed major tax legislation on July 4, 2025 — formally known as H.R. 1 or PublicLaw 119-21 — and it’s reshaping how individuals and families should think about long-termtax
The 2025 Tax Law Just Changed the Game for Retirees and High-Income Taxpayers Read More »
Divorce is difficult at any age, but if you\’re over 50 and nearing retirement, the financialimpact can be even more significant. Suddenly, the roadmap you’ve been following —shared savings, retirement
Divorcing After 50? Don’t Let a Bad Situation Derail Your Retirement Plans Read More »
If you’re retired—or planning to be soon—you may assume your Social Security benefits aresafe. After all, you spent decades paying into the system. But here’s the uncomfortabletruth: your benefits are
Retirees Beware: Your Social Security Isn’t Safe from Tax Hikes Read More »
In 2025, Warren Buffett officially announced his retirement as CEO of Berkshire Hathaway, marking the end of one of the most iconic careers in financial history. At 94 years old,
Warren Buffett’s Retirement: The End of an Era and the Timeless Lessons He Leaves Behind Read More »
Most people assume that the federal income tax code exists simply to fund the government. In reality, the tax code is a tool to influence behavior—shaping industries, investments, and even
The Hidden Purpose of the Tax Code: It’s Not Just About Revenue Read More »
