Two decisions worth modeling carefully.
Claiming Social Security and enrolling in Medicare are two decisions that appear elementary, but those decisions can compound for decades. We help you model the claiming strategy, time enrollment correctly, and avoid the IRMAA brackets that catch many retirees off guard.
At a glance
- Best for
- Ages 60–70 making claiming and enrollment decisions
- Format
- Virtual anywhere in the US. In-person in the Houston area upon request.
- First step
- Complimentary intro call · 5–45 min
- Coordinates with
- Your CPA, Attorney, and Plan Administrator
Situations I see most often.
- You're 60–70 and weighing when to claim Social Security.
- You're a couple and want to evaluate claiming strategies for both spouses.
- You're widowed or divorced and want to understand survivor / ex-spouse benefits.
- You're approaching 65 and need to coordinate Medicare with employer coverage.
- You're a high earner concerned about IRMAA premium surcharges.
What the engagement covers.
- Social Security claiming analysis (single, spousal, survivor, ex-spousal).
- Breakeven and longevity modeling.
- Medicare enrollment timing.
- Part B / Part D / Medigap or Medicare Advantage decision framework.
- IRMAA bracket projection and management.
- Coordination with overall retirement income plan.
A measured approach, in clear steps.
Statement review
We review your Social Security projections and Medicare entitlement information.
Claiming model
Multiple claiming ages compared with longevity assumptions; survivor implications addressed for couples.
Medicare timing
Enrollment windows are unforgiving — we map them to your employer-coverage end date precisely.
IRMAA awareness
Income brackets that determine Medicare premium surcharges are projected; Roth-conversion and withdrawal sequencing are adjusted accordingly.
What surprises retirees most.
Two surprises come up repeatedly: IRMAA — the income-based Medicare premium surcharges that kick in two years after a high-income year — and the irreversible mistakes around Medicare enrollment when continuing employer coverage past 65. Both are avoidable with planning.