Mailbag: Two Huge Decisions Before Retirement

David tackles two listener questions from folks standing right on the doorstep of retirement. He explores how timing a large vacation and a sick-leave payout could affect taxes and savings options, and then looks at whether it makes sense to retire before Medicare kicks in, given healthcare costs and subsidies. Throughout, David discusses how the “last mile” decisions could make a difference in retirement confidence.

Here’s some of what we discuss in this episode:

🧠 Lump Sum Decisions Matter:

📉 Tax Bracket Creep

🏥 Healthcare Changes Everything

🧩 Multiple Strategies Exist

🧭 Final Stretch Planning Counts

 

For additional resources or to contact David, visit us online at http://creativeoneadvisorsgroup.com or call 913-317-1414.