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Most people approaching retirement have an age in mind. Maybe it’s 62, 65, or 67. And we tend to think of that age as a decision.

But how does that compare with what actually happens?

Because accord...

Now that you’re nearing retirement, or maybe already retired, you may be wondering if the way that you invest your money should change.

The answer is 100% yes, but maybe not in the way that a lot of ...

Is it possible that retirees are wasting their time trying to avoid IRMAA? Or worse, by avoiding IRMAA, are they making decisions today that could actually hurt them later?

Retirees spend a lot of ti...

I hate retirement planning rules of thumb. Most of them are oversimplified. Some of them are flat-out dangerous. And a lot of them were created as lazy shortcuts for people, especially financial advis...

Over the past few days, I've seen headlines claiming that 71% of Americans support means testing Social Security.

The claim comes from a recent Reagan National Economic Forum survey that has been pic...

Most people evaluate Roth conversions the same way.

They run an analysis, compare lifetime taxes with and without conversions, and if the conversion strategy shows lower taxes, they assume it’s autom...

A recent Senate report projects that Medicare Part B premiums could nearly double over the next 10 years. Specifically, annual premiums are expected to rise from around $2,400 today to roughly $5,000 ...

I’ve had thousands of conversations with retirees over the years. And when I look back on those conversations, the same regrets tend to show up again and again.

Some of them are financial. Some of th...

One of the biggest reasons retirees tell me they’re interested in Roth conversions has nothing to do with lowering their own taxes today.

It’s about protecting the surviving spouse.

More specificall...

There’s a proposal in Congress to eliminate the Social Security earnings limit.

And I think it should happen.

For people under full retirement age who want to keep working while collecting benefits,...