Keep more of your money. Cut the tax on your Social Security, savings, and Medicare.
A simple planner with four spreadsheets. They show how to cut the tax on your Social Security. When to pull money out. How to miss the IRMAA jump. And how to move money to a Roth at today’s rates.
- Part 1 — Start Here: Keep More of It
- Part 6 — Your State's Retirement Taxes, and the Spending Order
- Part 2 — Is Your Social Security Taxed?
- Part 3 — The New $6,000 Senior Deduction
- Part 4 — IRMAA: The Medicare Surcharge
- Part 5 — RMDs and the Roth-Conversion Window
- Four Retirement-Tax Calculators (Excel)
- State Retirement Tax Pack (51 states)
- Part 1 — Start Here: Keep More of It
- Part 6 — Your State's Retirement Taxes, and the Spending Order
- Part 2 — Is Your Social Security Taxed?
- Part 3 — The New $6,000 Senior Deduction
- Part 4 — IRMAA: The Medicare Surcharge
- Part 5 — RMDs and the Roth-Conversion Window
- Four Retirement-Tax Calculators (Excel)
- State Retirement Tax Pack (51 states)
- Part 1 — Start Here: Keep More of It
- Part 6 — Your State's Retirement Taxes, and the Spending Order
- Part 2 — Is Your Social Security Taxed?
- Part 3 — The New $6,000 Senior Deduction
- Part 4 — IRMAA: The Medicare Surcharge
- Part 5 — RMDs and the Roth-Conversion Window
- Four Retirement-Tax Calculators (Excel)
- State Retirement Tax Pack (51 states)
Prices shown are each part's own list price. Totals are what the set would cost bought separately.
Right now you might be thinking…
Sound familiar?
Every one of those is covered in here. This was built for people starting from exactly that spot.
Here is what you will actually be able to do:
- ✓See how much of your Social Security gets taxed. And the moves that keep you under the line.
- ✓Miss the IRMAA jump on your Medicare premium. And fight it with form SSA-44 when life changes.
- ✓Get your pull-out schedule right at age 73 or 75. So you never get hit with a fine.
- ✓Use the fill the bracket move to shift money to a Roth at today’s lower rates.
- ✓Build one plan across all your accounts. Your money lasts longer and your tax stays low.
…and a good deal more.
YES — SEND IT TO ME — $47The whole kit · on your screen in a minute↓ Keep scrolling for all 7 parts ↓
If you want the decision made properly, these come first:
1. Start Here: Keep More of It
The moves that cut the tax on your Social Security, your savings and your Medicare premium, mapped on four pages so you can see which apply to you before you read a word more.
2. Is Your Social Security Taxed?
It turns on one number — provisional income — and the thresholds that decide it have never been adjusted for inflation, so more people cross them every year. The lines are fixed and visible, which is exactly why you can plan around them.
3. The New $6,000 Senior Deduction
A 2025 law added a temporary deduction just for people 65 and over, and it stacks on top of the extra standard deduction you already get. Who qualifies for 2025 through 2028, and the income phase-out that a single large withdrawal can walk you into.
4. IRMAA: The Medicare Surcharge
Cross a threshold and Medicare adds a surcharge to your Part B and Part D premiums, set from a tax return two years old. The brackets, the cliff effect that makes one dollar cost hundreds, and the life-changing-event appeal most people never file.
If you want it to still be right in six months, these do that:
5. RMDs and the Roth-Conversion Window
Required distributions at 73 or 75, how the math works, and the 25% penalty for missing one. Then the years between retiring and RMDs starting — the window where converting to a Roth costs the least it ever will.
6. Your State's Retirement Taxes, and the Spending Order
Which states tax Social Security, pensions and withdrawals, and which do not. Then the order to spend your accounts in — and the smarter version, where you deliberately fill low brackets in low-income years instead of following the usual order blindly.
7. Four Retirement-Tax Calculators (Excel)
Provisional income, the RMD, the IRMAA bracket, and a Roth-conversion sizer. Type your figures; each one returns the number the guide tells you to plan around.
Price it out:
You save $126. That is 73% off.
I WANT THIS KIT — $47The whole kit · on your screen in a minuteWhat people tell us
Here is what a few have said ↓
“I entered our retirement income, withdrawals, and estimated taxes and could immediately see where our money was going. I'm not great with spreadsheets, but this one was simple enough that I didn't need help.”
“Seeing IRA withdrawals, Social Security, pensions, and estimated taxes on the same worksheet made retirement taxes much easier to understand. It gave me a much better list of questions for my CPA.”
“Most of this information technically exists online, but it is spread everywhere. Having it organized in plain English, with links and worksheets, saved me hours.”
“There are so many retirement decisions happening at once. This gave me a step-by-step list rather than another 100-page book telling me everything that could possibly go wrong.”
Individual results. Results may vary and are not guaranteed.
I hear these a lot…
I would not know where to start”
That is exactly what the first part is for — it starts from zero and tells you the next single thing to do.
I am not good with computers”
Everything is a PDF in large type you can print at home. Nothing to install, nothing to set up.
I have put this off for a while”
Then start with the one-page scan. It takes ten minutes and tells you whether the rest is worth your afternoon.
I should probably ask my daughter”
Hand it to them. The worksheets are built to be filled in together and the scripts are written to be read out loud.
30 days. You risk nothing.
If it does not help you, email us inside 30 days and we send back every penny. We will not ask you why. We never sell your name or your email.
Questions people ask
Is this easy to use?+
Yes. Plain words, plus spreadsheets that just ask for a few numbers. If you can use a simple spreadsheet, you can use this.
Do I need Excel?+
They open in Excel, Numbers, or free Google Sheets. The guide is a PDF. It opens on any device.
When do I get it?+
Right away. It shows up on your screen the moment you pay. We email you a copy too.
Do I pay every month?+
No. You pay $47 one time. Nothing repeats. There is nothing to cancel.
Is this tax advice?+
No. It only teaches you. For your own return, a tax pro can help. This planner shows you the moves and the math to bring them.
Keep more of your money. Cut the tax on your Social Security, savings, and Medicare.
- Part 1 — Start Here: Keep More of It
- Part 6 — Your State's Retirement Taxes, and the Spending Order
- Part 2 — Is Your Social Security Taxed?
- Part 3 — The New $6,000 Senior Deduction
- Part 4 — IRMAA: The Medicare Surcharge
- Part 5 — RMDs and the Roth-Conversion Window
- Four Retirement-Tax Calculators (Excel)
- State Retirement Tax Pack (51 states)
- Part 1 — Start Here: Keep More of It
- Part 6 — Your State's Retirement Taxes, and the Spending Order
- Part 2 — Is Your Social Security Taxed?
- Part 3 — The New $6,000 Senior Deduction
- Part 4 — IRMAA: The Medicare Surcharge
- Part 5 — RMDs and the Roth-Conversion Window
- Four Retirement-Tax Calculators (Excel)
- State Retirement Tax Pack (51 states)
- Part 1 — Start Here: Keep More of It
- Part 6 — Your State's Retirement Taxes, and the Spending Order
- Part 2 — Is Your Social Security Taxed?
- Part 3 — The New $6,000 Senior Deduction
- Part 4 — IRMAA: The Medicare Surcharge
- Part 5 — RMDs and the Roth-Conversion Window
- Four Retirement-Tax Calculators (Excel)
- State Retirement Tax Pack (51 states)
Takes about a minute. You will be reading in two.
The Retirement Money Brief
Our free email for people over 65. One change to Medicare, taxes or benefits each weekday morning — the date to watch, and the one step to take.
RetireShield is independent and is not affiliated with or endorsed by any government agency. Our materials are educational and are not legal, tax, medical, insurance or benefits advice. Results may vary and are not guaranteed. © 2026 RetireShield.