The decisions that actually move the needle in retirement — IRMAA brackets, §1035 exchanges, RMD strategy, pension lump-sum vs annuity, survivor benefits. Every guide written for the buyer, not the seller.
Full 2026 IRMAA tier chart. $1 over costs $700-$5K/yr in Medicare surcharges. MYGA deferral as a fix.
Read guide → ❤️Use IRA RMDs for charity — dodge IRMAA + state tax. Mechanics, custodian forms, common errors.
Read guide →Inherited IRA rules post-2020. Tax-bomb avoidance via MYGA inside the IRA + Roth conversion ladders.
Read guide → 📉Bengen's rule assumes stocks. SPIA/MYGA replacement chart by age — when annuity wins.
Read guide →Health, spouse, COLA, IRR breakeven, carrier risk, taxes, legacy. Full walk-through scoring rubric.
Read guide → 🤔IRR table by age + plan. When the buyout wins, when monthly wins, when MYGA rollover wins.
Read guide →Survivor benefit math — claim age, GPO offset, replacement gap. SPIA/MYGA to fill the missing 50%.
Read guide → 🏠$400K-$2M home-sale cash: MYGA shelf, CD ladder, T-bill, brokerage. After-cap-gains math.
Read guide →SPIA crushes everything at 70+. MYGA secondary. Products to AVOID after age 70.
Read guide → 🔄What counts as a like-kind annuity swap; surrender-charge clock; tax-free in/out rules.
Read guide →Up to 85% of Social Security benefits are taxable. Provisional income formula, the 50% and 85% thresholds, how to reduce your tax bill.
Read guide → 🔄A strategic Roth conversion can save thousands in retirement taxes. Optimal timing, tax brackets, how to avoid IRMAA penalties.
Read guide → 📅The best age to file depends on health, income, spouse. Break-even math for filing at 62, 67, or 70.
Read guide → 📊FIAs offer market-linked growth with zero downside risk. How they work, costs, caps, spreads, and when they make sense.
Read guide →$12K senior bonus deduction. SALT cap to $40,400. $15M estate exemption permanent. The new $150K-$250K MAGI donut hole.
Read guide → ⚠️MFJ becomes Single, brackets halve, income stays. The hidden tax shock most couples never model.
Read guide → 🎯Each IRA dollar makes 85¢ of SS newly taxable. Why your 22% bracket can become 46% effective.
Read guide → 💼Convert ordinary income to LTCG on appreciated employer stock. $50K-$200K savings for executives.
Read guide → 🏥Triple-tax-advantaged. Stockpile receipts for tax-free income in your 70s that's invisible to IRMAA.
Read guide → ⛺The two strongest defenses against sequence-of-returns risk in the retirement red zone.
Read guide → 🌴13.3% IRA tax. No SS tax. Prop 19 reset on inherited rentals. Asset-free Medi-Cal. Full CA playbook.
Read guide → 🏘️$1.5M California gain = $585K tax bomb. SIS or DST saves $300K-$585K. Side-by-side math.
Read guide → 🛡️When IUL becomes a tax-free retirement account, when it doesn't, and how to avoid the failure modes.
Read guide → 📋The 20% pass-through deduction for consulting, rentals, royalties. OBBBA made it permanent.
Read guide →15-min call with Hans. No sales pressure. He'll walk through your specific situation and tell you straight — or refer you elsewhere if it's not a fit.