CFG Retirement

She thought she picked the wrong Medicare plan.

She didn’t.

A Roth conversion two years earlier pushed her over an IRMAA threshold — and her Part B premiums increased.

Medicare premiums are income-adjusted.
And they’re based on income from two years ago.

Go $1 over a threshold and costs can jump.

Your retirement moves today affect what you pay tomorrow.

Watch the full video on our YouTube channel!

Here’s a question most people never ask before retiring:

If you retired tomorrow, what would your normal week actually look like?

Not vacation mode. Just a regular Monday through Friday.

What would fill your time?
What would stimulate you?
What would make you feel useful?

One of the biggest myths in retirement planning is this:
“If I just hit the number, everything works.”

But the number doesn’t create meaning. It creates options.

And options require direction.

Leisure without purpose can feel empty.
Purpose without income structure can feel stressful.

Retirement done well integrates both.

Have you thought about what your week would look like?

Supporting adult children is one of the most loving things parents do.

Helping with a down payment.
Covering tuition.
Stepping in during an emergency.

There’s nothing wrong with generosity.

But retirement planning requires balance.

Your children can borrow for school.
You cannot borrow for retirement.

Helping today should never create financial strain in your eighties — when your family may need to support you instead.

This isn’t about saying no.
It’s about planning carefully so generosity remains sustainable.

The healthiest families plan support in a way that protects everyone long-term.

Have you had this conversation yet?