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Hey there,
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January is a clean reset for your retirement planning. With RMD season over and new tax rates applying, this is the best time to review your income, benefits, and account strategy before the year settles in.
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Most retirees skip this step. The ones who don’t usually end up paying less in taxes.
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Here’s what’s worth doing now:
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Review last year’s IRA and brokerage statements.
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Check whether your 2026 RMD will be higher or lower.
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Review your MAGI estimate to track future IRMAA brackets.
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Decide if early-year Roth conversions make sense.
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Update withholding on Social Security or pension payments.
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Confirm beneficiaries and transfer-on-death designations.
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⬇️ Download the January Retirement Planning Guide ⬇️
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