Choosing the right Medicare path is complex. We guide you through the critical deadlines for Part B enrollment timing and help coordinate it with any existing employer health coverage to avoid costly penalties. Finally, we compare the pros and cons of Medicare Advantage (MA) versus Original Medicare with Medigap to find the right fit for your health and budget.
As you move through the accumulation and distribution phases, our strategies focus on tax efficiency. We clarify the rules around penalty-free withdrawals starting at age 59½ and design plans to manage your required minimum distributions (RMD’s), which currently begin at age 73 and may be subject to future changes. This ensures your income lasts and remains tax-efficient.
The decision of when to claim benefits – whether at age 62, retirement age or age 70 – is one of your biggest choices. We analyze the impact on your lifetime benefits, coordinate spousal benefits for maximum survivor protection and prepare you for the potential tax impacts on your benefits.
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