Hey there! If you’re nearing 65 or already navigating the world of Medicare in 2026, you’ve probably realized that retirement isn’t just about picking a beach and a hobby. It’s about managing the "moving parts" of your finances. One of the biggest "gotchas" in retirement planning is something called IRMAA. It sounds like a long-lost aunt, but it’s actually a surcharge that can make your Medicare premiums skyrocket. And here’s the kicker: a move you make with your 401(k) today

If you’re blowing out 65 candles on your birthday cake this year, congratulations! You’ve reached a major milestone. But alongside the celebration usually comes a mailbox overflowing with glossy brochures, each one promising "free" healthcare, $0 premiums, and enough extra perks to make your head spin. At Solomon Estate and Wealth Planning, I see it all the time. People get so excited about the idea of a $0 premium that they sign on the dotted line without realizing what they