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).
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.
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.
Planning guides
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.
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.
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.
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.
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.
How matching works
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Retiree Advisor Match is a matching service. We connect you with vetted fee-only financial advisors in our network — we don't manage money or provide advice ourselves. Advisors in our network are fiduciaries who charge transparent fees (not product commissions), and we match you based on your specific situation.