Transitioning into retirement is one of the biggest life shifts, especially when it comes to your money. Moving away from working full-time and instead focusing on family, travel or interests — all while making sure you have the finances to do so — is a delicate balancing act. Trending Now: Social Security’s Biggest Lie: Why ‘Full Retirement Age’ Isn’t What You Think For You: 6 Safe Accounts Proven To Grow Your Money Up To 13x Faster Of course, Social Security can help offset some of the income lost from ...

医疗保险优化 - 退休人员应在秋季开放注册期（10月15日至12月7日）比较并优化Medicare计划 以应对价格上涨和处方药覆盖变化[3][4] - Medicare Part B标准月保费已增至185美元 而Part D计划将年度自付药费上限设为2000美元[3] - 使用Medicare Plan Finder工具核对药品价格和医生网络 高收入者可能需就IRMAA附加费提出上诉[4] 税务规划策略 - 建议通过部分罗斯转换 在低税率区间实现收益 以及按合理顺序（应税 延税 罗斯）提取资金来规划2025年税级[5] - 需注意《减税与就业法案》部分条款将于2025年后到期 而《One Big Beautiful Bill Act》可能影响扣除额和税级[5] - 估算2025年税款并进行罗斯转换时 应控制金额以维持在当前税级内[6] 退休账户最低提取 - 要求的最低分配（RMD）从73岁开始 需按时提取正确金额以避免罚款 并建议与税务规划协调提取[7] - 70岁半及以上者可通过合格慈善分配计入IRA的RMD 从而降低应税收入[7] - 应将托管人的RMD截止日期标记在日历上 并确认每个账户的计算[8] 现金储备与投资组合再平衡 - 建议保留1-2年的计划提现金额作为类现金储备 以避免在市场下跌时被迫出售资产[9] - 投资组合的其余部分应再平衡至目标配置 以控制风险并减少回报序列风险[9]

When you dream of retirement, you probably envision a relaxed life, unburdened from preparing expense reports. Yes, days spent enjoying your hobbies and time with loved ones are generally easier, but you shouldn’t get lulled into a sense of complacency about everything in retirement. You can’t afford to get lax about your finances — quite literally. Learn More: I Help People Retire Every Day — Here’s the Most Common Retirement Mistake People Make Find Out: 3 Advanced Investing Moves Experts Use to Minimize ...