Plan smarter with practical tools.
A growing library of articles, calculators, and guides built for the decisions Gen X and pre-retirees actually face — taxes, income, market risk, and care planning.
Read & learn
Roth Conversions: What Gen X Needs to Know
A practical guide to Roth conversions for Gen X — when they make sense, how to bracket-fill, and the traps to avoid.
How to Avoid Running Out of Money in Retirement
The longevity risk most retirees underestimate, and the income structure that quietly solves it.
Tax Strategies Before Retirement
The five-to-ten years before retirement are your highest-leverage tax planning window. Here is how to use them.
RMDs: The Deadline That Decides Your Tax Bill
Required Minimum Distributions force money out of your retirement accounts on the government's schedule. Here is how they work and how to plan ahead.
If You Have a Tax-Deferred Plan, You Have a Silent Business Partner
Your 401(k) balance is not entirely yours. Here is how to think about the IRS's unclaimed share — and how to buy them out on your terms.
Long-Term Care: What Most Families Miss
The cost, the timing, and the modern alternatives to traditional long-term care insurance.
What to Do With an Old 401(k)
Four options when you leave a job — and the one mistake that quietly costs the most.
How Market Volatility Can Impact Retirement Income
Why the order of returns matters more than the average — and how to design around it.
More articles published regularly. Check back, or subscribe at a consultation to receive new pieces by email.
How retirement-ready are you?
This preview shows how a few inputs can shift your retirement confidence. A full review explores tax, income, market risk, and healthcare planning together.
Get Your Retirement Confidence ScoreDecision tools that go deeper.
These are the worksheets and side-by-side comparisons used inside client planning sessions. Try the public versions, or request a personalized run.
Retirement Confidence Score
A quick self-assessment across tax, market, and longevity risk — get an instant readiness score.
Try the calculatorRoth Conversion Window Planner
Identify your gap years between retirement and RMDs to bracket-fill conversions efficiently.
Request a custom planSocial Security Timing Review
Compare claiming ages and survivor benefits side-by-side for couples and singles.
Book a reviewLong-Term Care Cost Estimator
Model in-home, assisted living, and skilled nursing costs in Southern California by year.
Request the worksheetOne-page worksheets
Practical templates clients use to organize accounts, beneficiary designations, and the year-by-year moves leading into retirement.
The Pre-Retirement Checklist
A year-by-year list for the five years before retirement — accounts, beneficiaries, Medicare windows, and tax moves.
Request a copyIncome Buckets Worksheet
Map your savings into short-term reserves, medium-term growth, and long-term portfolio with a one-page template.
Request a copyBeneficiary & Legacy Review
A simple audit to confirm your beneficiaries, secondary contingents, and titling are aligned with your wishes.
Request a copyYou don't need more
retirement guesswork.
Get a clear strategy for income, taxes, risk, and protection before your next major retirement decision.
Call Rebekka at 909-293-8453