Research Center
Guides, strategies, and analysis for retirement planning professionals
Tax Planning Software for Financial Advisors: The 2026 Buyer’s Guide
Advisor Summary: The tax planning software category for financial advisors has grown significantly since 2024, with Holistiplan leading at 38.92%...
How to Avoid IRMAA: Medicare Surcharge Planning Strategies for Financial Advisors
Advisor Summary: IRMAA thresholds are cliffs, not gradual phase-ins. One dollar of income above $218,000 (joint) costs $1,148 per person...
Roth Conversion and IRMAA: The Multi-Year Planning Guide for Financial Advisors
Advisor Summary: Roth conversions increase modified adjusted gross income in the conversion year, which triggers IRMAA surcharges on Medicare premiums...
Inherited IRA 10-Year Rule: Distribution Strategies for Financial Advisors
Advisor Summary: The SECURE Act’s 10-year rule requires most non-spouse beneficiaries to fully distribute an inherited IRA by December 31...
IRMAA Appeal: How to File SSA-44 and Reduce Your Client’s Medicare Premiums
Advisor Summary: When a client experiences a qualifying life-changing event (retirement, marriage, divorce, death of a spouse, or certain income...
The TCJA Is Gone. Here’s What the New Tax Law Means for Every Retirement Plan You Manage.
Advisor Summary: The TCJA did not sunset. The One Big Beautiful Bill Act (OBBBA) permanently extended the lower rate structure...
RightCapital Alternative for Retirement Income Planning
12-minute read Advisor Summary: RightCapital is one of the best comprehensive financial planning platforms available, rated 8.40 by T3 2026...
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