Financial Planning at Specific Life Stages
14 min read
Money After 65: What Changes and What You Need to Reassess
After 65, your financial life shifts: Medicare replaces employer insurance, Social Security COLAs adjust your income, RMDs begin at 73, and estate planning becomes urgent. A 2025 Vanguard study found retirees who reassess annually spend 23% more sustainably. Here is what to reassess and when.