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Life After Work · November 2026
The First Year of Retirement: Structuring Time, Purpose and Social Connection
Read the memo · 3 min read
Retirement Income · October 2026
Pension Lump Sum vs Monthly Annuity: Questions to Ask Before You Choose
Read the memo · 3 min read
Retirement Income · October 2026
Health Insurance Before 65: COBRA vs ACA Marketplace Plans for Early Retirees
Read the memo · 4 min read
Retirement Income · October 2026
Required Minimum Distributions: Starting Age, How the Amount Is Calculated and the Penalty
Read the memo · 4 min read
Life After Work · October 2026
Downsizing in Retirement: The Real Costs, the Tax Rules and When It Makes Sense
Read the memo · 3 min read
Medicare · October 2026
IRMAA: How Your Income From Two Years Ago Raises Medicare Premiums, and How to Appeal
Read the memo · 3 min read
Social Security · October 2026
Working While Collecting Social Security: How the Earnings Test Really Works
Read the memo · 3 min read
Medicare · October 2026
Original Medicare Plus Medigap vs Medicare Advantage: Networks, Costs and the Underwriting Trap
Read the memo · 4 min read
Social Security · October 2026
Social Security Survivor Benefits: Who Qualifies, How Much and the Switching Strategy
Read the memo · 3 min read
Retirement Income · September 2026
The 4% Rule: Where It Came From, What It Assumes and Guardrail Alternatives
Read the memo · 3 min read
Social Security · September 2026
Social Security Spousal Benefits: The Up-to-50% Rule and How Timing Affects It
Read the memo · 3 min read
Medicare · September 2026
Medicare's Initial Enrollment Period: The Seven-Month Window and the Part B Penalty
Read the memo · 4 min read
Social Security · September 2026