Retirement & Wealth Planning Blog

A practical look at what shifts financially in the first year of retirement, from income planning to Medicare enrollment.

Sequence of returns risk shapes how long retirement savings last. Here is what it means, why timing matters, and how to think about it.

A 529 plan grows tax-free for education costs. Here is how it works in 2026, including the new Roth IRA rollover rule and Ohio's state tax deduction.

Turning 65 in Toledo? Learn exactly when and how to enroll in Medicare, what each part covers, and how to avoid costly lifetime penalties.

Original Medicare vs. Advantage. Part D. Medigap. IRMAA. The choices in your initial enrollment window are sticky and expensive to undo.

Articles by Sean S. Shinaberry