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The Ultimate Retirement Guide

Sixteen pages on the three places retirement taxes quietly cost people the most.

Free guide

  • Josh Rendler, CERTIFIED FINANCIAL PLANNER® professional
  • Partner at Define Financial
  • Has helped more than 500 retirees
A page from the guide showing the ‘cliff effect’ callout: what crossing the first Medicare IRMAA income threshold by even one dollar adds to a retiree’s annual premium.
A page from the guidePage 6 of 16.

What’s inside

  • The 2026 brackets, and where the edges sit

    Your marginal rate applies to your last dollar, not all of them. Where filling a bracket ends and jumping one begins.

  • The Medicare surcharge that behaves like a cliff

    IRMAA is not a slope. A dollar over a threshold moves you up a tier for the whole year — and it’s set by a tax return from two years earlier, so the income you report this year decides what you pay two years from now.

  • When withdrawals stop being optional

    Required distributions arrive whether you need the money or not. How a qualified charitable distribution can satisfy one without the income landing on your return.