Welcome to The Retirement Desk. If you are in your 60s or 70s — or getting close — you have probably noticed that retirement arrives with a stack of money decisions nobody warned you about. This blog works through those decisions one at a time, in plain English, with real dollar amounts and the official form named in every guide. The five situations we cover Social Security claiming. When to file, what spousal and survivor benefits are worth, and how working in retirement changes the check. Medicare IRMAA. Why a surcharge notice can show up two years after a high-income year — and what can be done about it. The Roth/RMD window. The years between retirement and required minimum distributions, when a Roth conversion can cost far less in tax. Survivor tax situations. How the tax picture changes for a surviving spouse, including the filing-status shift that quietly raises the bill. Retirement paycheck basics. Turning savings into a steady monthly paycheck, without guessing. One promise in ...
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