Articles tagged “retirement tax planning”

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.

Your first year of retirement sets the pattern for the next 30. A 2025 EBRI study found 40% of retirees withdraw more than the recommended 4% in year 1, and 56% have no written withdrawal strategy. This checklist covers the 6 moves every new retiree must make.