Social Security claiming strategies for couples
When one spouse claims early and the other waits, the survivor benefit often matters more than the monthly check either of you sees today.
Full article coming soon — by Bill Howard
Insights
Notes on retirement and taxes
Educational writing in plain English — no jargon without a definition.
Required minimum distribution rules and timing
RMDs are simple arithmetic with unforgiving deadlines. Here is how we schedule them so nothing is missed.
Full article coming soon — by Bill Howard
Roth conversions in a down market
A lower balance can be an opportunity, but only if the conversion fits inside the right tax bracket this year.
Full article coming soon — by Bill Howard
Building a tax-efficient retirement income stream
Which account you draw from first can quietly change your lifetime tax bill by a meaningful amount.
Full article coming soon — by Bill Howard
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