The healthcare bridge
Compare employer coverage, a spouse's plan, COBRA, retiree coverage, and Marketplace options before Medicare.
Home Who we help
Retirement & healthcare
Retirement decisions do not happen one at a time.
The years before and after retirement can create unusual flexibility, but healthcare, taxes, Social Security, Medicare, investment income, and future distributions all compete for the same income plan.
Contact and availabilityWhat we coordinate
The questions are connected.
Roth conversions
Evaluate how much income to recognize after considering taxes, cash, healthcare costs, and future flexibility.
Medicare & IRMAA
Understand how tax-return income may affect later Part B and Part D premiums.
Withdrawal sequencing
Coordinate taxable accounts, pre-tax retirement accounts, Roth assets, HSAs, pensions, and Social Security.
RMD and QCD planning
Look ahead to future required distributions and charitable intentions rather than waiting for the first deadline.
Family and legacy
Consider the surviving spouse, heirs, charitable goals, inherited accounts, and who may ultimately pay the tax.
Planning scenario
A Roth conversion that changes more than the tax bracket
A recently retired couple has several lower-income years before required distributions. A conversion may reduce future pre-tax balances, but it can also affect capital-gain taxation, available cash, and Medicare premiums two years later. The decision requires one coordinated model.
Questions to coordinate
- How much income should be recognized this year?
- What happens to healthcare costs or IRMAA?
- Which future distribution and estate risks are reduced?
Free planning resource
The Healthcare Bridge
A tax-aware guide to the years between employer coverage and Medicare.
Start the conversation
A better tax conversation starts with understanding the whole picture.
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