Work ended before Medicare. Now what?
One clear plan for health coverage, monthly income, taxes, and the decisions that could close off options you already earned.
The paycheck stopped. The plan starts here.
This is not one retirement decision.
COBRA or the marketplace. Severance. A pension election. Retirement accounts. Social Security. Taxes. They can all land in the same ninety days — and several of them are one-way doors.
We put the decisions in the right order: what happens now, what can wait, and what should not move yet.
Get a second set of eyesTwo ways people get here.
The financial mechanics overlap. What you need to hear first does not.
This was not supposed to happen like this.
Before panic turns into a permanent money decision, see how severance, health insurance, retirement accounts, household income, and deadlines fit together.
See the first 90 days →You may be ready. The plan still has to prove it.
See how to replace the paycheck, cover healthcare, manage taxes, and keep enough flexibility to enjoy the time you worked for.
Build your last-paycheck plan →When people call us…
They often have more questions than answers.
How do we stay insured until 65?
COBRA quoted me a number I wasn't ready for. The marketplace is its own maze.
What replaces the paycheck, and how long does it last?
Saving was hard. Turning it into a monthly number that holds up is a whole other animal.
What can I move without losing an option?
Everyone has an opinion about my 401(k). Nobody's told me what the move costs me.
Did I already close a door I needed?
Rule of 55. 72(t). The pension election. I don't want to find out I got the order wrong.
How much income should I show this year?
Roth conversion, the subsidy cliff, the Medicare surcharge two years out — they all pull against each other.
Am I missing something?
I don't know what I don't know. And that's the part that keeps me up.
Sixty minutes. We look at what you are being asked to sign, move, or elect — and what it costs you. No fee.
Get a second set of eyesWhen you sit down with us, here’s what we do together…
We put the decisions in order
Severance and benefits. Coverage to 65. Cash and access. Pension or rollover. Social Security and taxes. The order matters as much as the decisions — some of these close doors on the ones behind them.
We cover the gap to Medicare
COBRA, the marketplace, a spouse’s plan, retiree medical. We show what each one actually costs you, and how the income you recognize this year changes that number.
We build the paycheck runway
Month by month, what funds the household — and when each source starts. Pension, withdrawals, Social Security, Medicare. You see the handoffs before you rely on them.
We label what can wait
Now. Next. Wait. Preserve. Every consequential decision gets one of those four labels, in writing. Waiting is a real recommendation here, not a stall.
We leave you the plan in writing
Including a one-page version your spouse could operate without you. If the logic only lives in our heads, it is not a plan — it is a meeting you have to remember.
Sometimes the answer is to leave it exactly where it is.
“Wait,” “don’t sign yet,” and “do nothing for now” are real recommendations here. They get written down like any other.
You will understand how we are paid before you decide whether to act on anything.
Get in touch
Thank you — we’ve got your message.
We’ll be in touch soon. If there’s a deadline on it, call us at (561) 203-0978.
Contact
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From “What happens now?” to “We know what happens next.”