Perspectives on the decisions that come with retirement.
Short pieces on the questions I hear most often, written for both of you to read. Each one comes with an interactive illustration you can change yourself.
6 minute read
The gap years: why the time between your last paycheck and your first Social Security check is worth planning around
For many couples, the years right after retirement are the lowest-tax years they'll ever have. Roth conversions during that window can shrink required distributions later and leave more flexibility for the surviving spouse.
September 20265 minute read
Turning decades of savings into a retirement paycheck
A paycheck is a habit, and retirement takes it away. Here's how I rebuild one from Social Security, a pension if you have one, and the accounts, in an order that keeps the tax bill down and the anxiety lower.
August 20264 minute read
The letter I ask every couple to write
If something happened to you tomorrow, would your spouse know where everything is, who to call, what to claim and what not to touch? One page, updated once a year, answers all of it.
Have a question you'd like answered here?
Most of these pieces started as a question from a client. If there's something you've been wondering about, send it over and I'll either write it up or answer you directly.