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.
So many variables are not in your control: caps, cost of insurance, charges, loan rates. What can change, what is guaranteed, what you control.
Read guide → ✈Income requirements for Norway, Switzerland, Sweden, Italy, Spain and Malta, and how a lifetime annuity bought in the US can meet them.
Read guide → 🇳🇴UDI income requirement 2026, the pensioner sponsor rule, wealth tax and why a US annuity is treated differently. My parents’ move, step by step.
Read guide → ⭐ 🏥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 → %The carrier pays it, your full premium is credited, and the cost lives in the rate and surrender schedule.
Read guide → %One-time carrier-paid commission vs a yearly 1% fee on the same $250K. The 5-year math.
Read guide → %Longer terms pay more, older ages pay less, early exits get clawed back. The conflict, and what to ask.
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 → 🛡️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 →Send your email and I'll send a plain-English read on what you're holding now, what it guarantees, and whether something safer pays more. If you're already in the right thing, I'll say so.
We’ll email it to you. Hans reads every one himself and replies within one business day. Hans Goldstein · NPN 20602398.
Rather talk it through? Or book 15 minutes on Hans’s calendar.
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.
Hans Goldstein is an Enrolled Agent, admitted to practice before the Internal Revenue Service. Not affiliated with or endorsed by the IRS. General education, not tax or legal advice for your situation.