All guides
Free resources, one decision at a time.
Each guide is a free 8-page PDF walking a single retirement-math edge case — with worked scenarios, the math behind the rule, and a four-question decision tree. Sourced to IRS, SSA, and Treasury publications. Educational content, not financial advice.
Catch-Up Contributions
Most 55-Year-Olds Have $87,000 Saved. Here's the Math.
Get the guide
Catch-Up Contributions
$11,250 Extra at 60–63. Or Zero. Here's How to Tell.
Get the guide
Medicare & HSA
Filing for Social Security After 65? Don't Trip This Wire.
Get the guide
Social Security + Tax Strategy
OBBBA Senior Bonus: $6K, $0, or Somewhere Between.
Get the guide
Social Security Strategy
Working While Claiming Social Security? Read This First.
Get the guide
Roth Conversions
Two Roth Clocks. Sometimes Three. The One at 60 Surprises Everybody.
Get the guide
Social Security Strategy
Break-Even Is Right. It's Missing Four Variables.
Get the guide