Retirement Guides
Plain explanations of the decisions the planner models — written because the rules are genuinely complicated and most explanations of them are either too short to be useful or trying to sell you something.
When to Claim Social Security: Reductions, Credits, and Breakeven
How claiming age changes your benefit, why the month matters, how spousal and survivor benefits work, and what breakeven analysis does and does not tell you.
Medicare Explained: Parts A, B, C and D, Medigap, and IRMAA
What each part of Medicare covers, how Original Medicare and Medicare Advantage differ, and the enrolment deadlines that cost money permanently if you miss them.
Pension Lump Sum or Monthly Annuity: How to Weigh the Offer
How to work out the implied payout rate on a pension lump sum, what the monthly option is really buying, and the factors that decide it in each direction.
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