Retirement Money & Legal
Helpful tools
SS/RMD Calculator
Estimate Social Security timing and required minimum distributions in plain English.
Open SS/RMD Calculator →Life Expectancy Calculator
Average years ahead from official SSA tables, for retirement planning.
Open Life Expectancy Calculator →
Guides
5 plain-English guides for adults 55+.
Power of Attorney, Living Will, and Advance Directives Checklist
Power of attorney, living will, and health care proxy explained. Estate-planning checklist for U.S. adults 55+. State laws differ—use ABA and NIA guidance, not DIY state statutes.
Retirement Budget and Senior Discounts That Check Out
Build a retirement budget with BLS spending data and EBRI confidence stats. Verified senior discount: NPS Senior Pass $20/$80. Skip unverified retailer claims.
Reverse Mortgage Pros and Cons: HECM Facts Before You Sign
Reverse mortgage pros and cons for HECM loans: age 62+, costs, counseling, heir options, and scams to avoid. CFPB and HUD basics, not a sales pitch.
RMD Rules: Age 73, Deadlines, and How to Calculate
Required minimum distribution (RMD) rules: age 73, April 1 first deadline, Uniform Lifetime Table factors, Roth exception, 25% excise tax, and QCDs. Based on IRS Pub 590-B.
When to Take Social Security: Ages 62, FRA, and 70
When to claim Social Security: age 62 cut, full retirement age 67, delayed credits to 70, earnings test, and why break-even math misleads. SSA and Boston College CRR basics.