Get free guidance on Medicare from Chapter, a company I've partnered with, by calling 410-220-5494. If you call Chapter, please let me know about your experience.

It's Not That Complicated https://drive.google.com/file/d/1Hqs4v7wLCjhh5ohWVVSNTs2HsGz9nufD/view

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In this episode, we'll walk through resources you can use to get free help with Medicare. The Resources are broken into three categories:

1. Free online educational content
2. Free Medicare guidance from SHIP
3. Free Medicare guidance from insurance brokers

Resources
Medicare: https://www.medicare.gov/
CMS: https://www.cms.gov/
KFF: https://www.kff.org/topic/medicare/
SHIP: https://www.shiphelp.org/
JAMA Study on SHIP: https://jamanetwork.com/journals/jama...
Chapter: 410-220-5494
Federal Lawsuit: https://www.justice.gov/opa/media/139...

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Get free guidance on Medicare from Chapter, a company I've partnered with, by calling 410-220-5494. If you call Chapter, please let me know about your experience.

In this episode, we'll walk through 7 things you must know about Medicare's annual open enrollment period.

Resources
It's Not That Complicated (pdf): https://drive.google.com/file/d/1Hqs4...
Medicare & You 2026 (pdf): https://www.medicare.gov/publications...
2025 Medicare Parts A & B Premiums and Deductibles: https://www.cms.gov/newsroom/fact-she...
Medicare Part A Costs: https://www.medicare.gov/basics/costs...
Medigap Plans: https://www.medicare.gov/health-drug-...
KFF Medigap Article: https://www.kff.org/medicare/key-fact...
Can I Change Medigap Plans? https://www.medicare.gov/health-drug-...
Compare Medicare Plans: https://www.medicare.gov/plan-compare...


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Get free guidance on Medicare from Chapter, a company I've partnered with, by calling 410-220-5494. If you call Chapter, please let me know about your experience.

In this episode, we'll walk through the key differences and pros and cons of Original Medicare vs Medicare Advantage plans.

Resources
It's Not That Complicated (pdf): https://drive.google.com/file/d/1Hqs4...
Medicare & You 2026 (pdf): https://www.medicare.gov/publications...
2025 Medicare Parts A & B Premiums and Deductibles: https://www.cms.gov/newsroom/fact-she...
Medicare Part A Costs: https://www.medicare.gov/basics/costs...
Medigap Plans: https://www.medicare.gov/health-drug-...
KFF Medigap Article: https://www.kff.org/medicare/key-fact...
Compare Medicare Plans: https://www.medicare.gov/plan-compare...

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Get free guidance on Medicare from Chapter, a company I've partnered with, by calling 410-220-5494. If you call Chapter, please let me know about your experience.

A viewer asked me to suggest some tools he could use to evaluate his investment portfolio and asset allocation. So in this video we looked at three of my favorite investment tools:

1. Empower: https://go.robberger.com/empower/yt-3...
2. Kubera: https://go.robberger.com/kubera/yt-3-...
3. Google Sheets: https://robberger.com/investment-trac...

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In today's Five Question Friday (FQF) video, we cover the following questions:

1. What are the best finance apps for those with a learning disability?
2. Is 3% SWR the new 4%?
3. How do you model tax-free income in Boldin?
4. In what account type should you hold cash you plan to spend in the first few years of retirement?
5. What inflation rate should you assume in retirement?

Resources

Monarch Money: https://go.robberger.com/monarch-yt/y... (Use Promo Code ROB50 for 50% off the first year)
Simplifi: https://go.robberger.com/simplifi/yt-fqf
Boldin: https://go.robberger.com/boldin/yt-fqf
Fidelity article: https://www.fidelity.com/learning-cen...
Shiller PE: https://www.multpl.com/shiller-pe
Kitces article: https://www.kitces.com/blog/the-ratch...

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In today's video, we discuss how Income-Related Monthly Adjustment Amount (IRMAA) payments are calculated and 8 strategies to reduce or even eliminate the payments.

Resources from the Video
Reddit Forum Post: / strategies_to_reduce_irmaa_costs_medicare 
2025 IRMAA Brackets: https://www.humana.com/medicare/medic...
IRMAA MAGI Calculation: https://secure.ssa.gov/poms.nsf/lnx/0...
SSA-44 Form: https://www.ssa.gov/forms/ssa-44.pdf
Boldin: https://go.robberger.com/boldin/yt-irmma
ProjectionLab: https://go.robberger.com/projectionla...

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In today's Five Question Friday (FQF), we cover five great questions and one tax calculator:

1. What is the Tax Triangle? (Traditional, Roth, and taxable accounts)
2. Is the Withdrawal Amount in FICalc the same as spending?
3. When should you sell an investment that's at a loss?
4. How far into the future should we plan?
5. When and how quickly should you change asset allocation as you near retirement?

Tool: Retirement Tax-Friendly States: https://smartasset.com/retirement/ret...

Resources
Blackrock Asset Return Map: https://www.blackrock.com/corporate/i...
FICalc: https://ficalc.app/
Boldin: https://go.robberger.com/boldin/yt-fqf
Perplexity Result: https://www.perplexity.ai/search/what...
Perplexity Tax Triangle: https://www.perplexity.ai/search/what...

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A viewer recently asked about bracket filling:

"I haven't heard you or other financial advisors say much about "bracket filling" in retirement. Is it reasonable to think that in retirement I should be filling a tax bracket up with pre-tax accounts, then using after-tax accounts for withdrawals that reach into the higher bracket? Is there a way to model this in Bolden?"

It's a great question that we cover in this video.

Resources Mentioned in Video

Boldin: https://go.robberger.com/boldin/yt-EN...

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The passage of the One Big Beautiful Bill Act has brought us a number of changes to the tax laws. Some changes are "permanent," meaning it would take an act of Congress and the President to change them. Some are "temporary," meaning they expire at some point in the future. Almost all of them can affect how we plan for retirement, particularly when it comes to Roth conversion strategies, tax-gain harvesting, and even traditional retirement account distributions.

In this video, I walk through the key tax provisions of the OBBBA, and then cover how they may affect retirement planning.

NOTE: ProjectionLab has updated its software to account for the OBBBA tax changes
https://robberger.com/tools/projectio...

Resources
Andy Panko's article: https://static.twentyoverten.com/5d25...
U.S. Bank Tax Bracket article: https://www.usbank.com/wealth-managem...

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