Pay less tax.
Spend more on life.
Who’s behind this
Josh Rendler, CFP® professional
The certification carries a fiduciary standard — the financial advice I give has to be in your interest, not mine. It says nothing about returns; it says who the work is for.Partner at Define Financial
A registered investment adviser. Motion Retirement is the education. Define is where the planning actually happens, and they’re deliberately separate things.More than 500 retirees
Guided into and through retirement over my career. Most of what I publish started as a question one of them asked me first.1.2M+ views on YouTube
Every video is a full walk-through of the math, not a teaser for a call. The channel is the free version of the work.
Why this exists
The best retirement advice kept getting buried.
Most of what you find about retirement is written for someone with a very different balance sheet. Or it’s a sales pitch wearing a cardigan. The genuinely useful part gets lost in the middle, and that’s the part that changes what you pay and what you get to spend.
So I started publishing it. The same planning work I do for families at Define Financial, explained in plain English, with the actual numbers on screen.
What actually happens
One decision. Six systems that react to it.
A withdrawal, a conversion, a gift. Any one of them moves two numbers, and those two numbers are wired into six different parts of your bill. That’s the part a calculator can’t see. It’s also most of the work.
The channel
45 long-form breakdowns. Every one has its own page here, with what it covers, where to go next, and the written guides behind it.
Articles
Latest articles
The ACA Subsidy Cliff Is Back for 2026
The premium tax credit cap at 400 percent of the poverty line was suspended through 2025 and is in force again for 2026. What changes before Medicare.
What Happens to an HSA at 65
The penalty stops, contributions must stop, and the account starts behaving like a traditional IRA. What the statute says about an HSA in retirement.
Spending Guardrails and the 4% Rule
Where the 4 percent figure came from, what guardrails change about it, and why the planning profession is split on whether they cut spending too soon.
Browse by topic — Healthcare in RetirementRoth ConversionsWithdrawal Strategyevery topic
I publish the planning work I do for families at Define Financial, in plain English, with the numbers on screen.
Free guide
Get the Ultimate Retirement Guide
All the important retirement numbers in one place
What’s inside
- The tax landscape
- Deductions and capital gains
- The Medicare surcharge that behaves like a cliff
- Managing the surcharge before it lands
- Qualified charitable distributions
- The rules that actually disqualify people
IRMAA is not a slope. One dollar over a threshold moves you to the next tier in full, for the entire year.
Work together
When reading about it is not quite enough.
If you’re 50 or older, have built a substantial portfolio, and want one coordinated plan instead of four separate opinions, the first conversation is free.
See if it’s a fitDefine Financial is a separate registered investment adviser. Motion Retirement does not provide advisory services.