Blog
Retirement planning insights and practical tax strategies, grounded in real math, not rules of thumb.
July 22, 2026
The 2027 ACA Numbers Are Out. Your Max Out-of-Pocket Just Jumped 13%.
IRS and CMS finalized the 2027 ACA subsidy and out-of-pocket schedules. The premium table barely moved, up 2-3%. The out-of-pocket ceiling jumped 13%. Two case studies show what that means in real dollars for a single retiree and a couple.
July 21, 2026
Your Retirement Number Is Not the Finish Line
Hitting your retirement number is not the end of the plan, it is the start of a different one. Three case studies on finding your number, protecting it from a bad market, and drawing it down without overpaying in taxes.
July 21, 2026
How to Model an Inheritance You Have Not Received Yet
Expecting to inherit a mix of a traditional IRA, a Roth IRA, and a brokerage account? Each one needs to be modeled differently, and forcing all of it into taxable income overstates your future tax bill and understates your portfolio value.
July 18, 2026
NIIT Is Not Just for High Earners. One Big Year Is Enough.
The 3.8% Net Investment Income Tax kicks in at $250,000 married MAGI, a threshold fixed since 2013 with no inflation adjustment. A single large capital gain, like a rental sale, can trip it even for a household whose income is modest every other year.
July 15, 2026
A 72(t) SEPP Plan Locks You In for Years. Here Is How to Pick the Right One.
A 72(t) SEPP plan lets you draw from an IRA before 59½ without the early-withdrawal penalty, but you are locked into the schedule for five years or until 59½, whichever is longer. Three IRS-approved methods, real numbers, and what happens if you stop early.
July 12, 2026
The Rule of 55 Only Covers One 401k. Here Is Which One.
The Rule of 55 lets you tap a 401k penalty-free before 59½, but only the plan of the employer you just left. Roll it into an IRA, or leave it behind at an old job, and the exception is gone. A real early-retirement case shows how the sequencing works.
July 9, 2026
SSDI and Early Medicare: How They Actually Fit Into Your Retirement Plan
SSDI has no claiming age and converts automatically to your regular Social Security benefit at Full Retirement Age. Medicare can start decades before 65 through disability, ALS, or ESRD. Two real plans show the tax, IRMAA, and healthcare cost impact.
July 1, 2026
Old 401ks Are Quietly Setting Up Your Biggest Tax Bill
Scattered old 401ks and IRAs compound into an RMD bomb at 75 that stacks on top of Social Security. Four case studies on the RMD problem at scale, the Rule of 55 vs. a 72(t) SEPP plan, the backdoor Roth pro-rata trap, and what consolidating into one account actually changes.
June 27, 2026
Retirement Income Has Cliffs. Here Is How to Find Yours.
ACA subsidies vanish all at once at 400% FPL. IRMAA surcharges arrive two years after the income that triggered them. Three case studies showing how retirees get caught by income cliffs they never saw coming, and how to check your own headroom before the next Roth conversion.
June 20, 2026
What Spreadsheets, AI, and Retirement Calculators All Miss
From muni bond interest that quietly raises your Medicare bill to rental losses that vanish above $150,000 income, the planning details that generic calculators miss can cost you six figures. Six scenarios where the interaction between rules matters more than any single rule alone.
June 18, 2026
Getting Inflation Wrong by 1% Can Wreck a 20-Year Retirement Plan
A 1 percent inflation error compounded over 20 years turns a $119,000 annual budget into a $144,000 spending need, a 21 percent gap. How inflation works through your bonds, stocks, healthcare, and tax brackets, and why updating your numbers regularly matters more than picking the right number once.
June 13, 2026
Social Security Insolvency in 2032: What a 24% Cut Means for Your Plan
The 2026 Trustees Report moved Social Security insolvency up to 2032. If Congress does nothing, benefits drop to about 76% of their scheduled amount, roughly $500 a month for a typical retiree. Four case studies show the real cost, and the planning opportunities a smaller check can open up.
June 10, 2026
Retirement Means Running Your Own Company. RMDs Are Just One Line Item
Mark retired at 52 expecting time off. Four months in, he realized he had been promoted into running his own company instead. A case study showing how a future RMD, an undecided Social Security claim, and a roof that needs replacing all land on the same desk.
June 5, 2026
The Pension Retirement Tax Trap: What Your Employer Never Told You
A pension feels like financial security. But pension holders with a traditional IRA and no employer health coverage face a compounding income stack: ACA cliff in early retirement, triple-income stacking with Social Security and RMDs, and Medicare surcharges they never saw coming.
June 2, 2026
Roth Conversion Ladder vs 3-Bucket Method: Which One Do You Actually Need?
The Roth ladder solves a 10% penalty problem and quietly creates a much bigger one: destroying ACA subsidies worth $10,000 to $20,000 a year. Two case studies showing the full dollar cost, and why the 3-bucket sequence handles both problems better for most FIRE retirees.
May 29, 2026
Your Retirement Projection Is Only as Good as Your Spending Number
Most retirement tools run on a spending estimate you entered once and never updated. Two case studies showing how real monthly spending data ripples through your RMD, MAGI, and Medicare costs, and why which account you draw from matters just as much as how much you spend.
May 23, 2026
In Retirement, Your Income Is a Choice: How to Engineer Your MAGI
High earners assume ACA subsidies are out of reach. But retirement changes which income counts toward MAGI. Three case studies showing how to engineer your income sources and reclaim thousands per year in subsidies and tax savings.
May 17, 2026
We Got the RMD Advice Partly Wrong: Here Is the Full Picture
Inflation makes future RMD numbers look scary, but both income and tax brackets inflate together. The real question is whether your RMD exceeds your inflation-adjusted spending, and the answer changes everything about whether you should convert.
May 17, 2026
When to Switch to a Roth 401k: What the Rules of Thumb Actually Miss
The 3x rule, RMDs, the 10-year inheritance rule, and IRMAA. Why shifting 401k contributions to Roth involves far more than your current tax bracket, especially for high earners.
May 16, 2026
Roth Conversion Strategy for Early Retirees: How ACA Subsidies Change the Math
Aggressive Roth conversions before 65 can quietly cost early retirees tens of thousands in lost ACA subsidies. Three case studies showing when to convert, when to wait, and why timing matters more than total amount.
May 13, 2026
Pretax vs Roth in Your 40s: Why the Standard Advice Gets It Wrong
Three real case studies showing when pretax 401k contributions actually save you the most, when Roth wins, and the hidden RMD trap that catches even high earners in their forties.
May 13, 2026
How Much Do You Really Need to Retire? Three Real Case Studies
The 80 percent rule and the magic million both mislead most retirees. Three case studies show what your actual retirement number looks like when you do the real math, including the bridge year problem early retirees miss.
May 9, 2026
How to Defuse the 401k RMD Bomb & Avoid Taxes
A massive Traditional 401k balance can trigger an RMD bomb at age 73 or 75, pushing you into higher tax brackets and IRMAA surcharges. Here is how to fix it.
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