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Retirement planning,
explained in plain English.

A free, professional-grade library for the decisions that define your retirement: Social Security, taxes, Medicare, and income. Written by real advisors, and always free.

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Pillars
Readiness ReportNo. 0072 · Sample
Try it: when do you plan to retire?
72/ 100
Good shape. Money on the table.

Strong income base. Your tax strategy is the biggest opportunity.

Income82
Tax Strategy61
Protection68
Investments74
Confidence66
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Value of a Financial Advisor: What Vanguard's Research Shows
Investing · 6 min read

Value of a Financial Advisor: What Vanguard's Research Shows

Vanguard's Advisor's Alpha research quantifies what a disciplined advisor relationship actually adds — and where the value really comes from.

Money Math · 7 min

What Missing the Market's 10 Best Days Costs (JPMorgan Data)

JPMorgan ran the math on $10,000 over 20 years: missing just the 10 best market days cuts your ending balance dramatically. Here's why market timing fails.

Investing · 3 min

The next industrial revolution is filing its paperwork

OpenAI and SpaceX IPO rumors point to something bigger than tech stocks. We're watching the birth of entire industries.

Investing · 2 min

Happy (Un)official Start of Summer

While we fire up the grill this Memorial Day, we remember those who paid the ultimate price for the American dream.

Why it matters

Small decisions, decades of difference.

Source · SSA
~8%
Guaranteed raise to your benefit for every year you delay Social Security past full retirement age, for the rest of your life.
Source · SSA
1 in 4
65-year-olds today will live past 90. Your money may need to last 30+ years.
Always
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What every article, tool, and assessment here costs you. No sign-up walls.
“The most important retirement decisions are the ones nobody bothers to explain in plain English. So we did.”
The TRRP Editorial Team
§ The Library

Explore by topic.

All 9 pillars →
Social Security01Social SecurityClaiming strategies, spousal benefits, taxation, and timing.2 articles →Tax Planning02Tax PlanningBracket math, withdrawal ordering, QCDs, and the tax torpedo.5 articles →Medicare03MedicareParts A/B/C/D, IRMAA, Medigap, and enrollment traps.3 articles →Income Planning04Income PlanningSafe withdrawal rates, buckets, bond ladders, sequence risk.6 articles →Roth Conversions05Roth ConversionsWhen conversions pay off, IRMAA interaction, 5-year rules.2 articles →Estate Planning06Estate PlanningExemption, step-up basis, trusts, and beneficiary designations.2 articles →Money Math07Money MathHistorical returns, fee impact, inflation, behavioral finance.14 articles →Investing08InvestingPortfolio basics, asset allocation, legendary investors, and market history.16 articles →
The Index

Every corner of retirement.

Current IRS · SSA · CMS data
01Social Security2 →02Tax Planning5 →03Medicare3 →04Income Planning6 →05Roth Conversions2 →06Estate Planning2 →07Money Math14 →08Investing16 →
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Retirement Readiness

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Retirement Calculator

Project your savings trajectory with realistic, current assumptions.

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Social Security

Compare claiming at 62, 67, and 70, translated into your own dollars.

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2026 Tax BracketsBracket lookupRMD CalculatorRequired distributionsRoth ConversionConversion plannerIRMAA CalculatorMedicare surcharges
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The 2026 numbers, in one place.

The thresholds that actually move your plan, kept current, sourced, and explained. The page retirees keep open in a tab.

See the full reference →
RMD Age
73
Required distributions begin (rising to 75 in 2033).
Full Retirement Age
67
For anyone born in 1960 or later.
Medicare Eligibility
65
Initial enrollment window opens three months prior.
SS Claiming Range
62–70
Each year delayed past FRA adds ~8% for life.
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