Social Security timing, Medicare, taxes, and building a dependable income floor — from Thomas Clark, a Series 65 Investment Advisor Representative.
Key Takeaways IRMAA is a surcharge on Medicare Part B and Part D premiums that applies to higher-income beneficiaries — and “higher income” starts lower than…
Key Takeaways Most retirement tax savings happen in November and December — not in April when you file. By tax season, it’s too late to act.…
Key Takeaways Your income floor is the guaranteed income that covers essential expenses — housing, food, healthcare, utilities, and insurance — regardless of what the stock…
Key Takeaways In 2026, you can earn up to $24,480 per year while collecting Social Security before the earnings test reduces your benefits — if you’re…
Dividend stocks in retirement feel like free money. A check shows up every quarter without selling a single share. For retirees, that feels safer than selling…
This is the most common Medicare question I hear: Should I go with a Medicare Supplement plan or Medicare Advantage? The answer depends on how you…
The Psychology of Spending in Retirement: Why It Is Harder Than Saving You spent 30 or 40 years building this nest egg. Every paycheck, you set…
Understanding Medicare Part D: How to Choose the Right Drug Plan You have spent months figuring out Medicare Part A and Part B. You have chosen…
Qualified Charitable Distributions: The Tax-Smart Way to Give in Retirement If you are 70 and a half or older, give to charity, and have a traditional…
Social Security and Taxes: How Much of Your Benefit Is Taxable? Here’s a number that surprises almost every pre-retiree the first time they hear it: up…
