Financial advisors who specialize in retirement income.
Safe withdrawal rates, Social Security strategy, Roth conversions, RMD planning, Medicare coordination — matched with advisors who focus on decumulation, not accumulation.
Retirement planning is a different discipline
For 30 years you've been saving. Now you need to spend your savings — for another 20 to 30 years, through market cycles, inflation, tax changes, and rising healthcare costs. The financial questions you face now share almost nothing with the ones you faced at 40. Most generalist advisors are trained for accumulation. A retirement-income specialist thinks about:
- Safe withdrawal rates. The "4% rule" is a starting point, not the answer. Variable-spending strategies (Guyton-Klinger, floor-and-upside) often let you spend 5-6% with similar risk.
- Sequence-of-returns risk. A bear market in your first 3 retirement years can permanently derail a plan even if long-run averages are unchanged. Mitigation matters more than optimization.
- Social Security claiming. Claiming at 62 vs 67 vs 70 has an implied breakeven age. For couples with spousal benefits, the optimization is harder than it looks.
- Tax-efficient withdrawal ordering. Should you draw from traditional IRA, Roth, or taxable first? Wrong order can cost six figures over 25 years.
- Roth conversions in the 60-73 "golden window." Between retirement and RMDs, you often have an unusually low tax bracket — a rare conversion opportunity most people miss.
- RMD optimization. SECURE Act 2.0 raised RMD age to 73/75. Planning the glidepath reduces lifetime tax meaningfully.
- Medicare and IRMAA. Income above certain thresholds triggers Medicare premium surcharges of $600-$5,000/year — planning income in retirement literally affects your healthcare bill.
Calculators
How Much Money Do You Need to Retire?
Enter your planned spending, Social Security estimate, and retirement age — get your retirement number instantly. See how SS reduces your required portfolio and how retirement age shifts the target.
Retirement Readiness Calculator
Are you on track to retire when you want? Enter your savings, contributions, income target, and Social Security estimate — get a readiness score and gap analysis in today's dollars.
Safe Withdrawal Rate Calculator
Estimate a sustainable annual withdrawal from your retirement portfolio using historical data and sequence-of-returns adjustments.
Social Security Claiming Calculator — 62 vs 67 vs 70
Find your breakeven age between claiming strategies. See total lifetime benefits at your expected longevity, plus couples survivor benefit analysis.
Roth Conversion Calculator
See the tax cost and projected lifetime benefit of converting traditional IRA dollars during the 60-73 golden window. Includes RMD projections and IRMAA alerts.
RMD Calculator
Year-by-year RMD schedule from your IRA or 401(k), with federal tax estimates and QCD reduction modeling. Covers SECURE 2.0 rules (age 73/75).
How to Reduce Your Required Minimum Distributions — 6 Strategies
Once you've seen your RMD projection, reduce it. Interactive Roth conversion impact calculator shows exactly how much annual conversions shrink your age-73 IRA balance and first-year RMD — plus QCDs ($111K limit), QLAC ($210K shelter), the still-working exception, strategic early withdrawals, and NUA for company stock. Comparison table covers which strategy fits which situation.
Retirement Income Tax Calculator 2026
Enter all your income sources — Social Security, pension, IRA/RMDs, capital gains, wages — and see your complete federal tax picture: AGI, taxable income, total tax, effective rate, IRMAA tier, and whether the SS income torpedo is costing you extra.
Medicare IRMAA Calculator 2026
See your 2026 Part B and Part D surcharge by income. Includes full bracket table and strategies to reduce your IRMAA tier.
How to Appeal Medicare IRMAA: SSA-44 Life-Changing Event Guide
Got hit with IRMAA surcharges based on income from a year you retired, divorced, or lost a spouse? Form SSA-44 lets you request that SSA use a more recent, lower income estimate. Step-by-step filing instructions, documentation required by event type, and an interactive calculator showing your potential savings — often $2,000–$10,000/year per couple.
Pension Lump Sum vs. Monthly Payment Calculator
Compare your pension's implied IRR against your life expectancy and investment alternatives. Includes 30-year projection table and survivor benefit analysis.
Sequence of Returns Risk Calculator
Stress-test your withdrawal plan against bad-sequence vs. good-sequence scenarios with identical average returns. See how year-1 timing can determine whether your portfolio lasts.
Monte Carlo Retirement Simulator
Run 1,000 simulated market environments and see the probability your portfolio survives your full retirement. Shows percentile outcomes from the 10th to 90th — so you know what happens in both good and bad markets, not just the average.
Ready to put this all together?
Calculators give you estimates. A retirement-income specialist looks at your complete picture — Social Security timing, withdrawal ordering, Roth conversion windows, IRMAA management, and estate goals working in sync — and builds a strategy specific to you.
Get matched with an advisor →Planning guides
Can I Retire at 55? Rule of 55, Healthcare Gap & Feasibility Guide
Retiring at 55 is achievable — but requires the Rule of 55 (or SEPP) for penalty-free account access, a 10-year healthcare bridge before Medicare, and a portfolio sized for a 40-year horizon. Three-scenario calculator shows your portfolio runway under each Social Security claiming strategy, from the 7-year bridge at 62 to the 15-year bridge at 70.
Can I Retire at 60? Feasibility Guide + 2026 Calculator
At 60 you're past the 59½ penalty threshold — every account is fully accessible without SEPP or Rule of 55 restrictions. Three-scenario calculator shows portfolio runway at each SS claiming age, plus: the 5-year Medicare gap, Roth conversion window (60–73), and safe withdrawal rates for a 35-year horizon.
Can I Retire at 62? A Complete Financial Feasibility Guide
Three-scenario calculator comparing Social Security at 62 vs 67 vs 70, with portfolio runway projections under each strategy. Plus: the healthcare gap before Medicare, Roth conversion opportunities in the 62-70 window, and sequence-of-returns protection for early retirees.
Can I Retire at 65? Feasibility Guide + 2026 Calculator
65 is the structurally simplest retirement age — Medicare begins immediately, no healthcare bridge needed, and the 4% rule was calibrated for this exact 30-year horizon. But Social Security at 65 is NOT the full benefit: FRA is 67 for anyone born in 1960+, meaning claiming at 65 locks in a permanent 13.3% reduction. Three-scenario calculator shows portfolio runway under each SS claiming strategy, plus Medigap guaranteed-issue window, the OBBBA $6,000 senior deduction, and Roth conversion optimization with no ACA constraint.
Can I Retire at 67? Full Retirement Age Guide + 2026 Calculator
67 is Social Security's full retirement age — the first moment you can claim 100% of your earned benefit with no permanent reduction. No Medicare gap, no account-access restrictions, and a 25-to-28-year planning horizon that maps cleanly onto the 4% rule. The key decisions: take SS now at 100% or wait 3 years for 124%, optimize the 6-to-8-year Roth conversion window before RMDs begin, and manage IRMAA with the post-retirement income drop. Three-scenario calculator included.
Can I Retire at 70? Maximum Social Security + 2026 Guide + Calculator
At 70, Social Security is fully maximized at 124% of your earned benefit — the delayed retirement credit stops accruing and there is no further gain from waiting. The planning focus shifts entirely to the compressed Roth conversion window (only 3–5 years before RMDs begin at 73 or 75), sustainable withdrawal rates for a 22-to-25-year horizon (~4.3–4.5%), and managing the transition off a working income. Portfolio longevity calculator shows how long your assets last across conservative, moderate, and optimistic return scenarios, with your maximized SS income already factored in.
Retirement Planning Checklist 2026
Year-by-year interactive checklist — from catch-up contributions at 50 through RMDs at 73. Every item links to the full calculator or guide. Checkboxes save in your browser so you can track what you've addressed.
The Complete Retirement Income Planning Guide
Full guide covering withdrawal strategy, Social Security, Medicare, Roth conversions, and estate planning.
How to Minimize Taxes in Retirement: 7 Strategies for 2026
Taxes can be your biggest retirement expense — but retirees have more control than workers do. Withdrawal ordering, bracket fill, Roth conversions, 0% capital gains, QCDs, IRMAA management, and Social Security timing — how they interact and how to layer them.
Tax-Efficient Withdrawal Order in Retirement
Taxable, traditional IRA, or Roth — which account to draw from first, and when to deviate. Includes 2026 bracket and IRMAA math.
Social Security Claiming Strategies
Single-filer breakeven math, married couple coordination, spousal vs. survivor benefit distinctions, and the Social Security income tax torpedo explained.
Social Security Earnings Test 2026
Working while collecting SS before FRA? 2026 limits: $24,480/yr under FRA, $65,160/yr in year of FRA. Interactive calculator shows your benefit reduction — and how withheld benefits come back at FRA.
Social Security Do-Over and Voluntary Suspension
Regret when you claimed Social Security? Two options: withdraw your application (Form SSA-521) within 12 months to reset your claim — or, once you've reached FRA, voluntarily suspend to earn 8%/year in delayed retirement credits without repaying anything. Includes repayment estimator and suspension break-even calculator.
Roth Conversions in Retirement: The 60-75 Window
When and how much to convert — 2026 bracket-fill math, IRMAA cliff management, and a year-by-year example for a retiree with SS at 70 and RMDs at 73.
Roth IRA Withdrawal Rules: When Is Your Distribution Tax-Free?
The two 5-year rules and three-tier ordering rule explained plainly, with an interactive checker: enter your age, first Roth IRA year, and what you're withdrawing — find out if it's tax-free, taxable, or subject to the 10% penalty.
Medicare Advantage vs. Original Medicare 2026
The central Medicare enrollment decision: side-by-side coverage and cost comparison, interactive annual cost calculator across healthy/moderate/sick-year scenarios, network restrictions, switching traps, and who benefits from each path.
Medicare Enrollment Guide 2026
When to enroll, enrollment period rules, late-enrollment penalties, and the critical choice between Original Medicare + Medigap vs. Medicare Advantage.
Medigap Plan G vs Plan N 2026: Which Is Right for You?
Side-by-side coverage comparison, interactive annual cost calculator, the excess charge exposure, and the guaranteed-issue window timing that determines whether you can switch plans later.
Medicare Part D 2026: Costs, IRMAA Surcharges, and How to Choose a Drug Plan
How Part D's $2,100 out-of-pocket cap works, the late enrollment penalty calculator, Part D IRMAA surcharges by income tier ($0 to $91/month), Extra Help eligibility, and how to compare plans using total annual drug cost — not just the premium.
Long-Term Care Planning for Retirees
70% of retirees will need some form of LTC. 2026 cost table, traditional LTC insurance vs. hybrid policies vs. self-insuring, and Medicaid 5-year look-back explained.
Estate Planning for Retirees
OBBBA $15M exemption, beneficiary designation checklist, will vs. trust, inherited IRA 10-year rule (T.D. 10001), annual gifting, and Roth conversions as an estate tool.
Step-Up in Basis: Rules, Calculator & Planning Strategies 2026
When you inherit appreciated stocks or real estate, the basis is reset to the date-of-death fair market value — permanently erasing decades of capital gains. But IRAs and 401(k)s get no step-up. Interactive calculator shows the tax cost of selling now vs. holding for heirs, the community property double step-up, and how to sequence taxable vs. retirement accounts to maximize what your family keeps.
Inherited IRA Rules 2026: 10-Year Rule & Annual RMDs
Which beneficiaries face the 10-year rule, when T.D. 10001 requires annual RMDs during the 10-year period, spouse options, and tax strategies for non-spouse beneficiaries inheriting traditional and Roth IRAs.
The Three-Bucket Retirement Income Strategy
How to structure your portfolio into cash, bonds, and equities buckets — with an interactive calculator to build your allocation — so a bear market never forces you to sell equities to cover living expenses.
Safe Withdrawal Rates: What the 4% Rule Actually Means in 2026
Where the 4% rule came from, what Morningstar's 2026 research says (3.9%), Bengen's revised 4.7%, dynamic strategies like Guyton-Klinger guardrails, and the factors that determine your personal safe rate.
Inflation and Retirement: Protecting 25 Years of Purchasing Power
How 3% inflation cuts purchasing power in half over 23 years — and the strategies that fight back: Social Security COLA, TIPS ladders, I-bonds (4.26% May–Oct 2026), equity exposure, and inflation-adjusted spending rules.
Social Security Spousal & Survivor Benefits 2026
How spousal and survivor benefits are calculated, claiming age reduction tables, the divorced spouse 10-year rule, optimal widow claiming sequences, and WEP/GPO repeal impact for government workers.
Health Insurance Before 65: Early Retirement Options
ACA marketplace options, COBRA, IRMAA-friendly income planning, HSA as a bridge, and how Roth conversions interact with subsidy eligibility for the gap between retirement and Medicare.
Using Your HSA in Retirement
Triple-tax advantage, 2026 contribution limits, what you can spend HSA dollars on after 65 (Medicare premiums, Medigap, LTC), the Medicare enrollment trap, and estate planning traps for non-spouse heirs.
Capital Gains Tax in Retirement: The 0% Bracket Window
2026 LTCG 0% thresholds ($49,450 single / $98,900 MFJ), tax-gain harvesting strategy, IRMAA cliff interaction, and how to coordinate Roth conversions with capital gain harvesting in the pre-RMD window.
Reverse Mortgage (HECM) 2026: Proceeds Estimator & Full Guide
How a HECM works, 2026 loan limit ($1,249,125), principal limit factors by age and rate environment, upfront/ongoing costs, line-of-credit growth strategy, non-borrowing spouse rules, and when it helps vs. hurts your plan.
Qualified Charitable Distribution (QCD) Guide 2026
2026 QCD limit $111,000 per person. How QCDs eliminate income tax on charitable IRA withdrawals, protect Medicare IRMAA tiers, and reduce Social Security taxation — with an interactive tax savings calculator.
Life Insurance in Retirement: Keep, Cancel, or Repurpose?
Do you still need life insurance once you're retired? A capital needs calculator tests whether your portfolio and Social Security survivor benefit cover your surviving spouse — or whether a coverage gap remains. Also covers permanent life as an estate tool, 1035 exchanges, and red flags when advisors pitch policies you don't need.
State Income Taxes on Retirement Income: 2026 Guide
9 states with no income tax, 5 states that fully exempt pensions and IRA distributions, and the 8 states that still tax Social Security — with 2026 exemption thresholds for each.
How to Choose a Financial Advisor for Retirement
What separates a retirement income specialist from a generalist — credentials (CFP, RICP, CPA-PFS), fee structures, 10 questions to ask, and red flags to walk away from. Fee-only advisors only.
72(t) SEPP Calculator: Penalty-Free IRA Access Before 59½
Retired early and need income from your IRA before age 59½? Rule 72(t) waives the 10% penalty if you follow a rigid payment schedule. Compare the RMD method vs. amortization method for your balance and age.
401(k) Rollover to IRA: What to Do With Your 401(k) When You Retire
Roll to IRA or keep in the plan? The Rule of 55, NUA strategy for company stock, Roth conversion timing, RMD aggregation differences, and step-by-step rollover mechanics — before you sign the distribution form.
NUA Strategy: Company Stock in Your 401(k) — Tax Calculator
If your 401(k) holds highly appreciated employer stock, the NUA (net unrealized appreciation) strategy may let you pay 0–15% capital gains tax on most of the gain instead of 22–37% ordinary income tax. Interactive calculator compares NUA vs. IRA rollover tax cost, with NIIT warning, IRMAA impact, and a decision framework for when the numbers actually support it.
Traditional IRA Withdrawal Rules: The Complete 2026 Guide
59½, 70½, 73, 75 — four ages that govern your traditional IRA. When does the 10% penalty disappear? When do RMDs start? How are withdrawals taxed compared to Roth? When can QCDs eliminate the tax entirely? Includes an interactive withdrawal tax calculator showing your marginal rate, estimated federal tax, IRMAA alert, and QCD opportunity.
Catch-Up Contributions 2026: 401(k), IRA & the Super Catch-Up at Ages 60–63
SECURE 2.0 created a "super catch-up" that lets workers ages 60–63 contribute up to $35,750/year to a 401(k) — $3,250 more than the standard 50+ catch-up. Starting January 2026, workers earning over $150,000 must also designate catch-up contributions as Roth. Interactive calculator shows how much more you accumulate in your final working years by maxing each tier.
Retirement Planning for Couples: Coordinating Social Security, Taxes & Income
Two Social Security claiming decisions that interact, combined IRMAA exposure, Roth conversions across two sets of accounts, and the survivor income plan. Includes an interactive SS coordination calculator showing lifetime household benefits — and the breakeven age where delaying the higher earner pays off.
Retirement Portfolio Allocation: Getting Your Investment Mix Right
What stock/bond split should you hold in retirement? Interactive calculator factors in your age, risk tolerance, and how much your Social Security and pension already cover your spending — the most overlooked variable in retirement allocation. Includes the rising equity glidepath research and an asset location guide.
Pension Income Planning: Survivor Election, Social Security & Tax Strategy
Federal, state, and military pension holders face decisions that portfolio-only retirees don't. Which survivor benefit option to elect (J&S 50%/75%/100% vs. single-life), pension maximization strategy, how the WEP/GPO repeal changes Social Security coordination, income ordering between pension and IRA, and tax planning for pension income.
Should I Pay Off My Mortgage Before Retirement?
The payoff vs. keep decision with an interactive break-even calculator — accounts for your mortgage rate, expected portfolio return, the hidden tax cost of withdrawing from a traditional IRA, and sequence-of-returns risk. Includes the middle path: accelerated payoff strategies that avoid a large one-time IRA withdrawal.
Selling Your Home in Retirement: Tax Guide & Proceeds Calculator
The §121 exclusion shelters up to $500,000 in gains for married couples — but gains above that trigger IRMAA surcharges two years later. Interactive calculator shows your after-tax proceeds, identifies whether any taxable gain falls in the 0% bracket, and flags IRMAA exposure by tier. Plus: how to deploy proceeds into your retirement plan.
Retirement Spending Plan: Monthly Budget & Cash Flow Calculator
What will you actually spend in retirement? Monthly cash flow calculator covering essential + discretionary expenses vs. all income sources — shows your portfolio withdrawal rate and a 20-year inflation projection. Includes what retirees actually spend by age group (BLS data), the retirement spending smile, and how spending level connects to Roth conversions, IRMAA, and the 0% capital gains bracket.
Working in Retirement: Part-Time Income Impact Calculator
What does part-time work actually net after the Social Security earnings test, self-employment tax, and federal income tax? Interactive calculator shows your real take-home for any earnings level — including whether you're at risk of IRMAA, how much SS is withheld (and why it comes back), and strategies to keep more of what you earn.
Gray Divorce Financial Planning Guide 2026
Divorce after 60 reshapes every pillar of your retirement plan — QDRO deadlines for 401(k) and pension accounts, Social Security divorced spouse benefits (up to 50% of ex's PIA if married 10+ years), IRMAA tier shifts when you move from joint to single filing, and the 36-month COBRA bridge to Medicare. Includes a retirement income impact calculator that compares your pre- and post-divorce Medicare premiums and Social Security options.
OBBBA Retirement Planning 2026: What the New Tax Law Means for You
The One Big Beautiful Bill Act (signed July 2025) added a new $6,000 senior bonus deduction for ages 65+ (up to $12,000 for qualifying couples), permanently fixed the estate exemption at $15M, and locked in QBI and bonus depreciation permanently. Includes an interactive calculator to estimate your annual tax savings — and explains what the law did NOT change (Social Security taxation, RMDs, IRMAA).
Financial Planning After Losing a Spouse: Widow & Widower Guide
Losing a spouse triggers the widow's tax penalty — the same retirement income is taxed significantly more as a single filer than as MFJ. Interactive calculator shows the structural tax difference, the IRMAA tier jump, and the Social Security taxation torpedo shift. Plus: a 90-day financial checklist, inherited account rollover rules, the SSA-44 IRMAA appeal, and Roth conversion strategy for the transition years.
Retirement Planning for Single People: Complete 2026 Guide
Single retirees face a distinct set of planning challenges: IRMAA kicks in at $109,000 (vs. $218,000 for couples), tax brackets are compressed with no spousal sharing, there's no partner to provide informal long-term care, and Social Security has no spousal coordination to optimize. Interactive income and IRMAA calculator shows your federal tax estimate, Medicare tier, and how close you are to the next IRMAA threshold — plus how a QCD or smaller IRA withdrawal could drop you a tier.
CD Ladder for Retirement Income: 2026 Calculator & Strategy Guide
A CD ladder divides your fixed-income allocation across 1- through 5-year CDs, giving you FDIC-insured income with one rung maturing every year. Interactive calculator shows annual interest per rung, blended APY, and how many months of expenses your interest covers — updated with June 2026 rates (1-year: 4.10%, 5-year: 4.20%). Plus: brokered vs. bank CDs, FDIC limits, IRMAA interaction, and where the ladder fits in the three-bucket strategy.
Living Off Dividends in Retirement: 2026 Tax Guide + Calculator
Can you live on dividends without selling shares? Covers the 0% qualified dividend rate and the stacking rule that determines whether your dividends are truly tax-free, how much portfolio you need at different yields, the IRMAA trap that catches dividend investors by surprise, and how dividends interact with Social Security taxation, RMDs, and Roth conversions. Includes an interactive 2026 dividend income tax calculator.
TIPS Ladder for Retirement Income: 2026 Calculator & Strategy Guide
A TIPS (Treasury Inflation-Protected Securities) ladder delivers guaranteed, inflation-adjusted income — each year's payment buys the same amount as today's dollar, regardless of how high prices rise. Interactive calculator sizes your TIPS portfolio vs. a CD ladder and the 4% rule, shows the year-by-year purchasing-power difference, and explains the phantom income tax trap (and how to avoid it with the right account type). Real yield defaults from the May 2026 auction (10-yr: 2.17%).
Where to Retire in 2026: Which State Fits Your Budget?
The state you retire in can save — or cost — you $5,000 to $20,000/year in income taxes, and cost-of-living differences add another 10–20% on top. Interactive calculator adjusts your spending for each state's cost of living, estimates state income tax on IRA withdrawals, and ranks 15 states by your annual portfolio withdrawal rate. Includes state profiles for Florida, Tennessee, Georgia, Arizona, North Carolina, and South Carolina — plus the relocation checklist every retiree needs before making the move.
Estimated Taxes in Retirement: 2026 Quarterly Payment Calculator
In retirement, withholding is no longer automatic — pensions default to too little, Social Security has no withholding unless you request it, and IRA withdrawals arrive with only 10% withheld by default. This tool calculates exactly how much to pay each quarter to hit the IRS safe harbor (no penalty even if you owe more), shows you the late-year withholding trick that can cure an earlier shortfall, and walks through Form W-4P, W-4V, and W-4R setup.
Can I Retire With $500,000? Calculator + 2026 Guide
$500,000 generates $19,500/year at the 3.9% Morningstar guideline — not enough alone, but Social Security changes the math dramatically. Interactive calculator shows your withdrawal rate, how SS timing shifts it, and whether part-time bridging makes it work. Includes a spending-vs.-withdrawal-rate table and 5 strategies specific to $500K households: SS delay, part-time bridge, ACA subsidy optimization, Roth conversion window, and Guyton-Klinger guardrails.
Can I Retire With $750,000? Calculator + 2026 Guide
$750,000 generates $30,000/year at 4% — a solid foundation, but Social Security timing is the hinge that determines whether $750K is a comfortable retirement or a fragile one. Interactive calculator shows your withdrawal rate by spending level, the difference between claiming SS at 62 vs 70 (up to $16,000/year), and projected portfolio balance over time. Includes a spending-vs.-withdrawal-rate table and 5 strategies: SS delay, Roth conversion window, bucket strategy, part-time bridge income, and RMD planning for pre-tax accounts.
Is $1 Million Enough to Retire? Calculator + 2026 Guide
For most Americans retiring at 65–67, $1 million is enough — if annual spending stays below roughly $63,000. Above that, sustainability depends heavily on Social Security income and spending flexibility. Interactive calculator shows your withdrawal rate, annual portfolio draw, and projected portfolio balance over time. Includes a spending-vs.-withdrawal-rate comparison table and five strategies to make $1M last longer, from delaying Social Security to Roth conversion timing.
Can I Retire With $2 Million? Calculator + 2026 Guide
For most households, $2 million is more than enough to retire — but the planning challenges are different than at $1M. Future RMDs can force $75,000–$125,000/year in taxable income whether you need it or not, potentially triggering Medicare IRMAA surcharges and higher tax brackets. Interactive calculator shows your withdrawal rate, IRMAA exposure based on current income, projected RMD at age 73, and portfolio balance over time. Includes 5 strategies specific to $2M households: Roth conversion windows, QCDs, Social Security delay, withdrawal sequencing, and IRMAA cliff management.
Can I Retire With $3 Million? Calculator + 2026 Guide
With $3 million saved, the question isn't whether you can retire — it's how to keep the IRS and Medicare from taking a disproportionate share. A $3M traditional IRA produces $113,000/year in forced RMDs at age 73, often pushing a single filer into IRMAA Tier 2 ($405.80/month Part B) without advance planning. Interactive calculator shows your withdrawal rate, projected RMD at age 73, estimated IRMAA exposure by pre-tax/Roth mix, and portfolio balance over time. Includes 5 strategies specific to $3M households: aggressive Roth conversions, QCDs, Social Security delay, withdrawal sequencing, and IRMAA tier management.
Retirement Savings by Age: 2026 Benchmarks & Are You on Track?
Enter your age, income, and total savings to see how you compare to Fidelity's salary-multiple benchmarks (1× at 30, 6× at 50, 10× at 67) and the real Vanguard median 401(k) balances for your age group. If you're behind, the calculator shows exactly how much you'd need to save monthly to catch up by 67 at 7% growth. Includes a benchmark table, why most Americans fall short, and five catch-up strategies for your 50s and early 60s.
Average Retirement Income in 2026: $58,680/Year — Where Do You Stand?
The median American household age 65+ earns $58,680/year. Social Security averages $2,081/month; pensions, portfolio withdrawals, and part-time work make up the rest. Interactive calculator shows how your income compares to the US median and mean — by age group and income source — plus six strategies to move above the median through SS timing, Roth conversions, and tax optimization.
Required Minimum Distribution Rules 2026: Age, Calculation & Penalty Guide
RMDs start at age 73 (born 1951–1959) or 75 (born 1960+) under SECURE 2.0. Miss one and the penalty is 25% of the shortfall — reducible to 10% if you correct it within two years. Quick estimator calculates your 2026 RMD from your prior year-end balance using the IRS Uniform Lifetime Table, with guidance on QCDs ($111K limit), Roth conversions, aggregation rules, the double-RMD first-year trap, and the still-working exception.
Form 1099-R Distribution Codes Explained 2026
Every retirement distribution — RMDs, rollovers, Roth withdrawals, QCDs, early distributions — generates a 1099-R. The distribution code in Box 7 determines whether you owe income tax only, income tax plus a 10% penalty, or nothing at all. Full code reference table (codes 1–9, A–W), interactive code lookup tool, box-by-box guide, and the QCD reporting trap that causes retirees to overpay taxes.
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