The First-Year RMD Rule: Why You Might Face Two Required Distributions in One Year
The IRS lets you delay your first required minimum distribution until April 1 of the following year, but doing so can leave you taking two taxable withdrawals in a single calendar year. Here is how the timing works.
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Power of Attorney: The Estate-Planning Document That Is Not a Will
A power of attorney lets someone act on your behalf while you are alive.
Safe Money · 6-min readWhy Your Earnings Record Is the Foundation of Your Social Security Estimate
Your Social Security benefit estimate is built directly from your lifetime earnings record.
Safe Money · 6-min readKey Dates
Washington Watch
LIVEBills in Congress that could affect your retirement.
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View all retirement bills on Congress.govMedicare
All Medicare →How Your Income Can Raise Your Medicare Part B Premium in 2025
6-min readThe Medicare Part B Late Enrollment Penalty: How a Two-Year Delay Adds 20 Percent to Your Premium for Life
6-min readThe Part B Late Enrollment Penalty: Why Timing Your Medicare Sign-Up Matters More Than You Think
6-min readWhy Your 2025 Medicare Part B Premium May Reflect Your 2023 Income
6-min read3 things to know about Medicare in 2026
New annual out-of-pocket cap on Part D prescription costs, effective 2026
Standard Part B monthly premium in 2026, up from $174.70 in 2024
Last day to change Medicare plans during fall open-enrollment window
Money & Planning
All Money →The First-Year RMD Rule: Why You Might Face Two Required Distributions in One Year
6-min readPower of Attorney: The Estate-Planning Document That Is Not a Will
6-min readWhy Your Earnings Record Is the Foundation of Your Social Security Estimate
6-min readUnderstanding Medicare Open Enrollment: What the October 15 to December 7 Window Really Means
6-min readWhy This Matters
Retirement is one of the biggest financial chapters of your life, and the rules change every year. Most people get their information from headlines, sales pitches, or whoever called them last. You deserve better.
Fifty-nine and a half is when new options open up. That is when it becomes clear that the plan that got you here may need to change. Our job is to keep you current and confident in the questions you ask.