James Mayo, CFA, CFP®, EA James Mayo, CFA, CFP®, EA

How Much Does Healthcare Cost in Retirement?

Medicare is the foundation of healthcare coverage for most retirees, but the costs vary widely depending on which path you take. Here is a plain-English breakdown of what comprehensive Medicare coverage actually costs in 2026, including a real-world example of premiums, deductibles, and maximum out-of-pocket expenses.

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James Mayo, CFA, CFP®, EA James Mayo, CFA, CFP®, EA

How Does Medicare Work?

Medicare is more than just health insurance for retirees. It has multiple parts, enrollment deadlines, and income-based costs that are worth understanding well before you turn 65.

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James Mayo, CFA, CFP®, EA James Mayo, CFA, CFP®, EA

What Are Roth Conversions?

A Roth conversion moves money from a pre-tax retirement account into a Roth IRA. You pay tax now in exchange for tax-free growth later. Here is how it works and when it tends to make sense.

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James Mayo, CFA, CFP®, EA James Mayo, CFA, CFP®, EA

What Is IRMAA?

If your income exceeds certain thresholds, Medicare charges more for Part B and Part D premiums. Here is how IRMAA works and why it matters for retirement income planning.

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James Mayo, CFA, CFP®, EA James Mayo, CFA, CFP®, EA

When Should I Claim Social Security?

When to claim Social Security is one of the more consequential decisions in retirement planning. The right answer depends on more than a break-even calculation.

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