123 Easy Library
Your personal retirement library. Guides, papers, and resources from 25 years of helping families plan.
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Health Insurance Planning
Free GuideThe IRMAA Trap
Why your Medicare premium just doubled. 2026 surcharge brackets, the 2-year lookback, how to appeal, and 6 strategies to plan ahead.
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Free GuideDental Planning Part 1
Understanding dental coverage options in retirement, including what Medicare does and does not cover, and how to fill the gaps.
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Free GuideDental Planning Part 2
Advanced dental planning strategies, including standalone dental plans, discount programs, and how to budget for dental care in retirement.
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Free GuideFaith-Based Healthcare
An overview of faith-based healthcare sharing ministries, how they compare to traditional insurance, and whether they may be right for you.
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Free GuideLeaving Group Coverage
What to know when transitioning from employer group health insurance to individual or Medicare coverage. Timing, options, and common mistakes to avoid.
Download Guide (PDF)Retirement Income Planning
Fiscal FootnotesWhy Social Security Is Taxed
They taxed it to build it, then taxed it again. David Schaeffer walks through why your benefit was tax-free for almost fifty years, the 1983 and 1993 laws that changed it, the income lines that never moved, the honest double-tax answer, and what the 2025 law really did.
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Fiscal FootnotesRequired Minimum Distributions (RMDs)
The rule that taxes your retirement, explained. David Schaeffer walks through where the RMD came from, the age ladder (72, 73, 75), how the amount is calculated, the penalty for missing one, and the traps nobody warns you about.
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Fiscal FootnotesWhat Changed About Retirement
The system changed. Nobody sent a memo. David Schaeffer walks through how we went from pensions to 401(k)s, what inflation quietly doubled, and why retirement taxes feel different now.
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Free GuideNot All Annuities Are Created Equal
The four main types of annuities explained in plain language: fixed, variable, fixed indexed, and hybrid. Know what you are looking at before you commit to anything.
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Free GuideI Retired... Now What?
Your first 90 days checklist. Covers finances, health insurance, the emotional transition, taxes, and finding purpose. Printable checklist included.
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Updated 2026Tax Facts 2026
Current year tax brackets, standard deductions, contribution limits, and all the key numbers you need for retirement tax planning.
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Free GuideRetirement Planning Facts (Tax Year 2025)
Key retirement planning numbers including IRA limits, Social Security thresholds, and contribution caps for the 2025 tax year.
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Free GuidePlanning Changes Before Retirement
The financial moves you should consider making in the years leading up to retirement, from catch-up contributions to healthcare bridge planning.
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Free GuideIs Your Social Security Right?
The $50,000 mistake hiding in your earnings record. How to check your record, fix errors, understand the benefit formula, and decide when to claim.
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Free GuideThe Roth Conversion Playbook
How retirees are turning taxable IRAs into tax-free retirement income. 2026 tax brackets, IRMAA interaction, gap years strategy, RMD elimination, and legacy planning.
Download Free GuideLong-Term Care Planning
Updated 2026The Long-Term Care Planning Guide
What Medicare won't tell you. 2026 costs by state, hybrid vs traditional insurance, Medicaid planning, tax benefits, caregiver impact, and asset protection strategies. 18 pages.
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Special ReportLTC Planning Special Report
A comprehensive look at long-term care costs, who needs coverage, the different types of LTC insurance, and strategies to protect your assets without breaking the bank.
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Free GuideUnderstanding Long-Term Care
The basics of long-term care: what it is, what it costs, who pays for it, and why most people are not as prepared as they think.
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Free Guide9 Ways to Save on Long-Term Care
Practical strategies to reduce long-term care costs, from hybrid insurance products to home care alternatives and asset protection techniques.
Download Guide (PDF)Life and Legacy Planning
Free GuideBucket List Planning
How to plan and fund the experiences that matter most to you in retirement, from travel to hobbies to giving back, without jeopardizing your financial security.
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Most RequestedBefore Death Do Us Part
Our most-requested guidepost. A comprehensive checklist of everything you need to have in order for your family, from accounts and passwords to legal documents and final wishes.
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Free GuideUnderstanding Life Insurance
Term vs. permanent, how much coverage you need, and when life insurance should be part of your retirement and legacy plan.
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Free GuideUnderstanding Revocable Trusts
What a revocable trust is, how it helps you avoid probate, protect your privacy, and maintain control of your assets during your lifetime and beyond.
Download Guide (PDF)Workshops
Watch our educational workshops at your own pace. No registration required. Just press play and learn.
Retirement Readiness Workshop
The Three Types of Money framework, market volatility, sequence of returns risk, and how to build a retirement income plan that lasts.
Inheritance Planning Workshop
Prepare, Protect, Preserve. Estate attorney Sean Greenguard joins to cover trusts, probate avoidance, power of attorney, and the steps most families miss.