Two decisions worth modeling carefully.
Social Security claiming and Medicare enrollment are two decisions that look administrative but compound for decades. I help you model the claiming strategy, time enrollment correctly, and avoid the IRMAA brackets that catch retirees off guard.
At a glance
- Best for
- Ages 60–70 making claiming and enrollment decisions
- Format
- In-person Houston · Virtual where licensed
- First step
- Complimentary intro call · 5–45 min
- Coordinates with
- Your CPA, attorney, 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 (IEP, GEP, SEP).
- 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 pull your Social Security earnings record 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.
Plain-English answers.
When should I claim Social Security?
What is IRMAA?
Do I have to enroll in Medicare at 65?
Recent articles on this topic.
A few plain-English notes that connect to this service. Use them as background before our first conversation, or skip ahead.
Asset location — the tax-efficiency multiplier most investors miss.
Asset allocation gets all the attention. Asset location — which holdings live in which account — quietly adds …
Choosing an Advisor · 16 min readHow to choose a financial advisor — the complete checklist.
Choosing a financial advisor is one of the largest decisions most households will make about money. A specific…
Inheritance · 13 min readInherited IRA 10-year rule — the post-SECURE deep dive.
The SECURE Act collapsed the inherited IRA payout from a lifetime stretch to ten years for most non-spouse ben…
You might also be thinking about…
Let's talk about your situation,
not a generic plan.
The first conversation is complimentary — anywhere from 5 to 45 minutes, your call. No pitch, no pressure. We'll cover what you have, what concerns you, and whether working together makes sense.