The Transition

The critical window when paychecks stop, benefits begin, and tax decisions compound.

• Roth Conversion Ladder Strategy for 2026 →
• Social Security at 62 vs. 70 →
• First RMD Year and Qualified Charitable Distributions →
• Medicare Enrollment Timeline →
• ACA Marketplace Bridge to Medicare →
• Tax-Efficient Retirement Income Order →
• First-Year Withdrawal Plan →
• IRMAA Two-Year Lookback Planning →
• COBRA vs. Marketplace Coverage →
• QCD Rules and Timing in Year One →
• Selling a Business at Retirement →
• Relocation Timing and Tax Impact →
• Spouse Medicare Enrollment Coordination →
• Final Paycheck and Benefits Logistics →
• Unused PTO, Bonuses, and Final Compensation →
• Net Unrealized Appreciation (NUA) Strategy →
• Delayed Retirement Credits Explained →