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The Retirement Decision Calendar

Retirement is not one decision you make and then live with. It is a different question every month, and most of them arrive with no reminder. Each month has a written briefing and a tool that goes with it, and we work through it together on a live call. Read them in any order.

Read this month's briefing Join the monthly call

The twelve months

Free, no account. Nothing you type into a tool is saved or sent anywhere.

This month
January
Where do I actually stand?
Net worth, real spending, and the one ratio the whole year turns on.
 This month
February
Will it last?
How long the money holds — and how the answer changes if the first five years go badly.
 This month
March
How does a pile become a paycheck?
What's guaranteed for life, what's variable, and the gap between them.
 This month
April
When should I take Social Security?
The largest single decision most households make — and why the survivor benefit matters more than the breakeven.
 This month
May
What about health insurance?
Bridging to 65, the subsidy cliff, and what Medicare does not cover.
 This month
June
What if one of us dies?
Income falls more than 20% and the tax bill often rises. Entirely predictable.
 This month
July
What will I owe this year?
Build the number now so December isn't a guess — then fix your withholding.
 This month
August
Is this my low-tax window?
What the next dollar actually costs — not what the bracket table says.
 This month
September
What if one of us needs care?
What care costs, what Medicare pays for, and what a long event does to the healthy spouse.
 This month
October
Is my coverage still right?
Formularies and networks change every year. Open enrollment closes December 7.
 This month
November
What is due by December 31?
Distributions, conversions, harvesting, charitable transfers — all in one month.
 This month
December
How did the year go?
Close every open item, then look back at the decisions rather than the balance.

The monthly call

One hour, once a month. We teach that month's question for about fifteen minutes, then work the tool together on screen and take questions. You do not have to be a client. Send a question ahead if you would rather not ask live.

Third Tuesday · 4:00pm CentralSame link every month. Recorded and posted to the library.
Get the link

The toolbox

For the questions that arrive on their own schedule — a pension election lands on your desk, or a mortgage question will not leave you alone.

All fifteen toolsRecordings and articles

Want someone to run your actual numbers?

The tools are the same ones we use. What they cannot do is look at your situation and tell you which of the twelve matters most for you. That is a conversation, and it is free.

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