The next 15 years of your money, made clear.

For people over 50: a free, plain-English planner, a Social Security timing tool, and a Medicare checklist — built so you can act on it in an afternoon.

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Built for ages 50–72 No upsells in the guide 5-minute signup

Three things that pay you back, year after year.

Stop Medicare & IRMAA surprises

A simple readiness check so the premium bump nobody warns you about doesn't cost you $1,000+ a year, silently.

Time Social Security with confidence

Working-age pensions, WEP & spousal survivors — run the math so the monthly check lasts as long as you do.

A 4% withdrawal rate that actually survives

Bucket your accounts so a bad market year can't permanently shrink the money you need.

3highest-leverage pre-retirement actions

77%potential lifetime SS increase — legal & documented

10fillable checklist items in the PDF

5 minaverage time to fill the opt-in form

Run the numbers for yourself.

Two tools financial planners hand out behind closed doors — modified so you can use them without an appointment.

Social Security timing

Your monthly benefit at Full Retirement Age (FRA), $

Currently planning to claim at age

Lifetime impact vs. waiting until 70

Enter a benefit to begin.

Break-even age

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4% rule — does it survive your retirement?

Total invested assets at retirement, $

Monthly spending need, $

Your safe-withdrawal & stress gauge

0.0%

Enter your numbers.

Annual deficit / surplus

The 3-step plan most advisors give first-time retirees.

Click any step to expand details.

Build your 3-bucket retirement portfolio ›

Cash, bonds, and growth — sized so a 2008-style year can't permanently shrink your income.

A common split: 2 years of spending in cash, 3–4 years in short-term bonds, and the rest in diversified stock funds. Withdraw from the bucket that matches the market — cash in down years, growth in good ones — so the portfolio has time to recover. Read the sequence-of-returns explainer →

File at the right Social Security age ›

Delaying from 62 to 70 can raise monthly income up to 77% for life.

The claiming decision is mathematically the biggest single lever in your retirement — often worth more than an extra decade of contributions. Run the break-even at age 70 vs. your preferred age, then factor in survivor benefits (often the highest-earning spouse should be the last to claim). Use the calculator above — slide the "claim at" bar.

Get Medicare + IRMAA right the first time ›

A single bad enrollment window can cost $250+ per month, every month, for life.

Most retirees under-estimate the IRMAA surcharge on Part B and Part D — a Medicare add-on tied to your income two years ago. The fix is tactical partial Roth conversions between retirement and age 73/75 (RMD age) — but only if you have enough cash outside the IRA. Medicare 2026 IRMAA brackets (PDF) →