RetirePro Weekly · October 5, 2026
Your Claim Age Moves Lifetime Benefits by $100k
💡 Tip of the Week
If your full retirement age is 67 and your monthly benefit at that point is $2,000, claiming at 62 drops it to $1,400. Waiting until 70 raises it to $2,480. Over a 20-year retirement that difference adds up to roughly $100,000 more in total payments if you live past 85. RetirePro runs your exact numbers against current IRS and Social Security rules so you can see the real impact before you file.
🎯 Inside RetirePro
RetirePro models claiming at 62, 67, and 70 against your real numbers and shows your break-even age and lifetime benefit.
Optimize My SS Claim →📰 Featured in this issue
Your First RMD Deadline Is December 31, 2026 — And the Penalty for Missing It Is 25%
If you turned 73 in 2026, December 31 is your deadline for the first Required Minimum Distribution. Here's how to calculate it, the one-time April 1 extension, the aggregation and QCD rules, and how an RMD interacts with a Roth conversion.
Medicare Open Enrollment 2027 Ends December 7: The Decision Tree That Saves Real Money
Medicare Open Enrollment runs October 15 – December 7, 2026 for 2027 coverage. Here's a step-by-step decision tree for comparing Part D drug plans and Advantage plans, avoiding IRMAA surprises, and coordinating the choice with a Roth conversion.
One Plan, Every Tool: RetirePro Premium Is Now $9/mo
We retired the $19 tier and the two-tier upgrade maze. RetirePro now has a single paid plan — Premium at $9/mo — that includes the AI Advisor, full Monte Carlo, tax and estate tools, and every report.
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