Knowledge hub
Guides, articles, and tools to help you plan with confidence — whether you are just starting or already in retirement.
Most retirees are surprised by how much of their savings goes to taxes. Required Minimum Distributions, Social Security taxation thresholds, and Medicare IRMAA surcharges can erode your income more than you planned. Learn how to identify and reduce your tax risk before it is too late.
Read articleClaiming at 62, 67, or 70 — the difference can be tens of thousands of dollars over your lifetime. We break down the key factors: health, spousal benefits, other income sources, and tax implications.
Read articleMedicare has four parts, multiple enrollment windows, and penalties for late sign-up. This plain-language guide walks you through Parts A, B, C, and D — and how to avoid costly mistakes.
Read articleEstate planning is not just for the wealthy. A will, beneficiary designations, power of attorney, and healthcare directive protect your family no matter the size of your estate. Here is where to start.
Read articleWhich accounts do you draw from first — and in what order? The sequence of withdrawals from taxable, tax-deferred, and tax-free accounts can significantly impact how long your money lasts.
Read articleWhen a spouse passes, the surviving partner often faces a dramatically higher tax bill. This little-known tax trap can be planned around — but only if you act before it happens.
Read articleRecent legislative changes affect how Social Security benefits are taxed. Understand what the One Big Beautiful Budget Act means for your retirement income and what steps you can take now.
Read articleA deep dive into the strategies CPAs and financial advisors use to protect retirement assets from tax erosion, market volatility, and longevity risk — published in the Journal of Accountancy.
Read articlePractical tools and checklists to help you get your financial house in order before — and during — retirement.
Document your assets, liabilities, and income sources in one organized place. A complete picture is the foundation of every good retirement plan.
Make sure your accounts and policies go to the right people. Outdated beneficiary designations are one of the most common — and costly — estate planning mistakes.
Wills, trusts, powers of attorney, and healthcare directives — know what you need, why you need it, and how to get it done.
Map out all your income sources for retirement: Social Security, pensions, RMDs, annuities, and investment withdrawals. Know your number before you retire.
Key tax deadlines and planning windows throughout the year — so you never miss an opportunity to reduce your retirement tax bill.
A guided self-assessment to help you understand where you stand today and what gaps need to be addressed before you retire.
Schedule a no-cost conversation with David O'Bryan, CPA. We will review your situation and help you identify your biggest risks and opportunities.
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